vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I filed an Affidavit of Credit Report Error, Dispute, and Demand for Deletion with all three major credit bureaus TransUnion, Experian, and Equifax to dispute multiple inaccurate and unverifiable items appearing on my credit reports. 
These include : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) Account ending in * XXXX : reported as a joint collection with inconsistent Date of First Delinquency and unverifiable ownership. 

XXXX XXXX XXXX. Account ending in * XXXX : reported as a charge-off of {$4900.00} with inconsistent delinquency sequences and possible re-aging of debt. 

XXXX XXXX XXXX XXXX Account ending in XXXX XXXXXXXX : reported a past-due balance ( {$190.00} {$250.00} ) despite being closed. 
XXXX XXXX XXXXXXXX XXXX XXXX  Account ending in XXXX  XXXX : reflected a minor XXXX late ( XX/XX/XXXX ) despite strong payment history. 

Multiple Hard Inquiries appeared without permissible purpose under FCRA 604 ( a ) ( 3 ).

I requested that the companies reinvestigate within 30 days, delete or correct unverifiable items, and provide written proof of validation or deletion in compliance with the Fair Credit Reporting Act 1681e ( b ), 611, and 623.

To date, I have not received verification or correction, and these inaccurate entries continue to harm my credit standing and restrict access to housing, credit, and business funding.

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 2025-11-11 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 submitting this complaint to dispute inaccurate information reported on my credit reports from the major credit bureaus. Below are the details of the accounts in dispute, categorized by each bureau. I respectfully request that an investigation be initiated into these matters, and any inaccuracies be corrected. 
Charged-Off Accounts : XXXX XXXX XXXX 

Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Inquiries : XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: U.S. BANCORP
State: TX

Complaint narrative:
Victim of the XXXX XXXX data breach, asked for verification and validation of debt on accounts unable to provide sufficient documentation

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 2025-11-11 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: MO

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MO

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-11-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Experian Credit Bureau to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company : Capital One Bank ( USA ), N.A. 
Product : Credit card or prepaid card Sub-product : General-purpose credit card or charge card Issue : Attempts to collect debt not owed Sub-issue : Debt was paid Date of incident : XX/XX/year> On XX/XX/year>, I contacted Capital One to arrange a settlement payment of {$330.00} for my charged-off account ( Account ending in XXXX, Case Number : XXXX ). I spoke with agent XXXX and specifically requested written confirmation of the settlement agreement, including the settlement amount and due date. 

XXXX XXXX deliberately withheld the due date from me during our phone conversation. Without my knowledge, she set a due date of XX/XX/year>, and sent a letter dated XX/XX/year>. This letter arrived at my address on XX/XX/XXXX, XXXX week after the due date had already passed. The letter did not include the settlement amount of {$330.00} or any mention of the due date, despite my explicit request for this information. 

When I called Capital One on XX/XX/year>, to request the proper documentation, I was initially told I could not receive it because XXXX  days had passed since XX/XX/XXXX. 
After requesting to speak with a XXXX, the XXXX confirmed that agent XXXX had deliberately failed to disclose the due date to me and had intentionally delayed sending the letter so it would arrive after the deadline. 

This appears to be a deliberate violation of the Fair Debt Collection Practices Act, specifically involving : Misrepresentation and failure to disclose material information ( the due date ) Unfair practices ( creating impossible timelines by concealing deadlines ) Deceptive conduct ( backdating correspondence to create the appearance of timely notice when the letter was sent to arrive after the deadline ) After escalating to management and threatening legal action, I paid the {$330.00} settlement amount on XX/XX/year>. The XXXX XXXX XXXX XXXX confirmed the account would be marked as settled in full with no penalties. I am awaiting written confirmation within XXXX hours. 

I am filing this complaint because agent XXXX conduct was intentional, unlawful, and designed to cause me to miss the payment deadline. Capital One should be investigated for this practice and held accountable for deliberately sabotaging customer payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am disputing the accuracy and verification of the following charged-off accounts that are currently being reported on my Experian credit file. I have not received documentation proving the validity, balance, or ownership of these debts. I am requesting a full reinvestigation under the FCRA ( 15 U.S.C. 1681i ) and that any unverifiable or inaccurate information be deleted. 

Accounts in Dispute : XXXX XXXX Account # XXXX Date : XX/XX/year> Reported Balance : {$3300.00} XXXX Auto Account # XXXX Date : XX/XX/year> Reported Balance : {$14000.00} These accounts may contain outdated, incomplete, or unverifiable data. Please confirm that each account has been properly validated with the original creditor, including date of last payment, charge-off date, and balance accuracy. If verification can not be provided, I request that these items be removed from my credit report. 

Thank you for your assistance in ensuring that only fair and accurate information is reported.

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 2025-11-11 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-11 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MA

Complaint narrative:
I am disputing the following items on my TransUnion credit report. I am requesting that TransUnion verify the accuracy of each item in compliance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). 

Charged-Off Accounts in Dispute : XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Reported Balance : {$6100.00} XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Reported Balance : {$530.00} Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX  Milestone XX/XX/XXXX I am requesting verification that these inquiries were made with my consent and meet FCRA requirements for permissible purpose. 

Late Payment Accounts in Dispute : XXXX XXXX XXXX  / XXXX Account No. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX / XXXX Account XXXX. XXXX I am requesting that these accounts be reviewed for accuracy. If any late payment data can not be verified, please remove or correct it. 

Thank you for your time and for ensuring my report reflects only fair and accurate 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 non-monetary relief
Consumer complaint received 2025-11-11 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:
I am writing to formally dispute the following items on my credit report. The accounts listed below are either inaccurate, incomplete, or contain errors in their reporting. I am requesting a thorough investigation into these items in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} INQUIRIES XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX LATE PAYMENT XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # 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 2025-11-11 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: MO

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
I reviewed my ChexSystems Consumer Report and identified areas for dispute. I was very upset upon discovering these fraudulent accounts, unauthorized transactions and inaccurate information ; thus, I demand that it be resolved in a fair andequitable manner that it be investigated and, if necessary, be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am writing to formally dispute the inaccuracies on my credit report regarding the following accounts. These disputes pertain to charged-off accounts, which I believe to be incomplete, inaccurate, or improperly reported. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information provided by credit reporting agencies must be accurate, timely, and complete. 


Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Dispute Reason : Inaccurate reporting of balance and account status. This account needs to be reviewed and corrected. 

XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Dispute Reason : Account shows inaccuracies in status and reporting. I request an update to reflect the correct account history. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} Dispute Reason : The reported information is inconsistent with my records. Please investigate the accuracy of the account details and balance. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Dispute Reason : I am disputing the accuracy of the balance and payment history on this account. Kindly review and update as necessary. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Dispute Reason : Please verify the reporting of this account. Discrepancies have been noted in the reported balance. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Dispute Reason : The account is incorrectly reported as a charge-off. I request a review of this account to ensure proper reporting under the FCRA.

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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Express Collections, Inc.
State: AL

Complaint narrative:
I never did business with this company, ( Express Collections ) I received several phone calls from some female rude and I don't owe this money. It was very unprofessional and I need direction. 
I want this collection removed from my credit report, I never did any paperwork with this company and it is against the law how they have brought my credit score down. 

Please provide any assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation