vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AL

Complaint narrative:
I am filing this complaint because [ Experian / XXXX / XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX XXXX ( XXXX ), XXXX paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : 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 2025-12-04 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: GA

Complaint narrative:
I am writing to formally dispute several items appearing on my Experian credit report that I believe to be inaccurate, outdated, or unverifiable. As a consumer, I have the right under the Fair Credit Reporting Act to ensure all information reported is accurate and complete. 

Personal Information Previous Addresses Please remove or update the following addresses, which are inaccurate or outdated : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX These addresses are not my current or accurate past residences and should not be associated with my file. 

Previous Name No previous names should be listed on my credit report. Please remove any incorrect or unverified name variations associated with my profile. 

Charged-Off Accounts XXXX Acct # : XXXX, Opened XX/XX/XXXX, Balance : {$0.00} This account shows as charged off but reports a {$0.00} balance. Please verify accuracy and update or delete if it can not be validated. 

XXXX  Acct # : XXXX, Opened XX/XX/XXXX, Balance : {$16000.00} Please verify this account. I do not recall authorizing this debt, and it may be inaccurately reported or duplicated across bureaus. 

Inquiries XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) I did not authorize these inquiries. Please investigate and remove them if they were made without my explicit consent. 

Late Payment XXXX Acct # : XXXX I am disputing the reported late payment. Please verify its accuracy and provide proof of delinquency, or remove the late mark if unverifiable.

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 2025-12-04 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: TX

Complaint narrative:
This serves as my formal notification contesting the referenced accounts. I have no association with them and did not authorize their existence. I request removal pending review. Documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
I am a consumer attempting to correct inaccuracies and outdated information appearing on my credit reports. I have identified multiple errors across XXXX XXXX  and TransUnion that are negatively impacting my credit. I am requesting an investigation and correction under the Fair Credit Reporting Act ( FCRA ). 


XXXX. Previous Address Dispute Please remove or correct the following addresses, which are no longer valid or inaccurate : 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 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

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
To Whom It XXXX Concern. This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within XXXX ( XXXX ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EXPERIAN continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance 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 2025-12-04 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:
The information currently displayed fails to accurately and completely document my financial activity. I respectfully request a full evaluation and necessary adjustments.

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 2025-12-04 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: PA

Complaint narrative:
I applied for a car loan and discovered the negative items.

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 2025-12-04 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: AL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My company has held a Capital One Spark business card since about XX/XX/XXXX. We have never made a late payment to my knowledge. In fact, we regularly paid the balance in full and frequently cycled through more than {$150000.00} in spending capacity monthly. 

In late XX/XX/XXXX, Capital One abruptly reduced our usable spending capacity from approximately {$150000.00} ( the statement balance was XXXX the month prior ) to approximately {$95000.00} without any written notice. All transactions above the new limit began declining for over a month and no one could answer as to why, only suggesting making a " {$60000.00} plus ) payment might help. Our entire company and XXXX purchases, etc. ran through this card, and did so seamlessly for years. 

Because Capital One provided no advance notice or adverse action notice, we were forced to rapidly pay down more than {$55000.00} in charges simply to continue operating. We had to acquire and open new credit cards, which took days to arrive. This caused a severe cash-flow disruption and forced us to open a second credit card to keep the business functioning as well as furlough employees due to extreme cash restraints because of this. Two of those employees have since completely quit. We have all the meetings and documentation to show this was a direct result of this incident. 

At the next statement close, Capital One generated a statement for approx. {$98000.00} and required full payment, as this is a pay-in-full card. Because we had already drained liquidity to comply with the unannounced spend reduction, we could not pay the full {$95000.00} at once, or even part of it at this point. Capital One then classified the account as late and added threatening language referencing debt collectors and creditors. Our credit scores are already dropping. 

To date, we have received no adverse action notice explaining the sudden and prolonged reduction in our credit availability. We have called multiple times to no avail and even had their staff tell us they can see no reason why it might have dropped like that. Front line, supervisors, their supervisors, and on and on offer no solution or explanation. 

Under ECOA/Regulation B, a material reduction of credit availability on an existing credit account constitutes adverse action, and creditors are required to provide written notice within 30 days explaining the specific reasons. Capital One did not provide such notice. 

What I want : A written explanation of the adverse action Removal of the delinquency status and any associated fees Correction of any negative credit reporting A review of the sudden reduction in spend capacity with no notice This unnotified adverse action harmed our business operations and appears to violate ECOA/Regulation B requirements. It has been catastrophic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am contacting you because on XX/XX/XXXX I was the victim of two fraudulent transactions made at XXXXXXXX XXXX  and XXXXXXXX XXXX. As soon as I saw them, I froze my card and attempted to report them immediately, but they system did not allow me to submit the report because the transactions were still marked as pending. 

I waited for them to fully process, just as the app instructs, and then I reported the unauthorized activity. Despite this, today I received a notification stating that my dispute was denied, which I find unfair, since I did not make those transactions and I followed the exact process required by the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
I am submitting this complaint because several items being reported by Experian, XXXX XXXX XXXX appear inaccurate, incomplete, outdated, or unverifiable. I am requesting a full FCRA-compliant reinvestigation. The disputed items are listed below by bureau. 
Charged-Off Accounts in Dispute XXXX  Acct : XXXX Reported Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX Reported Date : XX/XX/XXXX Balance : {$8500.00} Reason for dispute : There are inconsistencies in dates, balances, and account statuses. These accounts appear outdated or unverifiable and may be reported incorrectly. I request documentation proving ownership, default date, and charge-off status. If proper proof can not be provided, the accounts must be removed. 

Hard Inquiries in Dispute XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Reason for dispute : I do not recognize or authorize this inquiry. Under FCRA 604, furnishers must have a permissible purpose to access my credit report. Please verify the authorization. If no signed authorization exists, this inquiry must be deleted. 

Late Payments in Dispute ( Repeated XXXX student loan late entries ) I dispute the accuracy of multiple late payment entries associated with the following accounts : XXXX Acct ending in : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Reason for dispute : These late payment reports appear duplicated, inconsistent, and potentially inaccurate. I request full verification including payment history records for each account. Any unverified or duplicated late marks must be 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 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: NRA Group, LLC
State: SC

Complaint narrative:
XXXX deleted the account on XX/XX/XXXX. However, on XX/XX/XXXX, it was replaced in my credit file by the National Recovery Agency. This agency continues to report under different names to the credit bureaus, but the name " XXXX XXXX XXXX '' appears each time the account is reported as deleted. Each report updates the date to the previous year. Under the XXXX investigation process, they merely submit information to a collection agency for verification, which does not constitute an investigation. The company then forwards the same information back. The original debt goes back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I am filing a complaint against XXXX regarding messing up my credit account with others and keep adding wrong debt collection to my account. They refuse to provide validate documentation of the debt. XXXX also failed to provide notification and warning. My credit score drops significantly which bring me huge financial damage. 

XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) by : Failing to correct inaccurate information Failing to provide proper notice or documentation Reporting information that does not belong to me This inaccurate reporting has caused me harm, including : Denial of credit Higher interest rates Emotional distress Financial loss I am requesting CFPB assistance to ensure XXXX complies with its legal obligations 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 explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-12-04 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief