vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
XX/XX/year> Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Credit Information Pursuant to FCRA, UCC, and Consumer Protection Laws To Whom It May Concern, I, XXXX XXXX XXXX, am formally disputing inaccurate, unverifiable, and fraudulent information reported in my Experian credit file. This dispute is made under the authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including 1681c-2, the Consumer Credit Protection laws ( 15 U.S.C. 1692c ), and relevant protections afforded under the Uniform Commercial Code ( UCC ). 1. Correct Legal Name : My full legal name is XXXX XXXX XXXX. I demand removal of all other versions including : XXXX XXXX, XXXX XXXX XXXX. XXXX. Addresses : The only accurate address associated with me is XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX. I demand deletion of all other addresses, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. Phone Numbers : The only accurate phone number for my file is ( XXXX ) XXXX. All other numbers must be deleted. 4. Employment : I am XXXX XXXX and receive XXXX XXXX  ( XXXX ). I have no employment history, and any entries suggesting otherwise must be deleted. 5. Marital Status : I have never been married. Any reporting indicating otherwise is inaccurate and must be removed. 6. Credit Accounts, Charge-Offs, Collections, and Credit Cards : I dispute and demand deletion of all collections, charge-offs, and credit card accounts as they are inaccurate and linked to identity theft resulting from the Equifax data breach. Under 15 U.S.C. 1681c-2, you are legally obligated to block and remove this information once notified. Furthermore, pursuant to 15 U.S.C. 1692c, I demand that all collection-related activities cease, and under the UCC, I reserve my rights to be free from unlawful, fraudulent, and unenforceable claims. You are required to verify with absolute proof, or delete the disputed information immediately. As a victim of the Equifax security breach, I am requesting a full reinvestigation and credit sweep of my file to ensure compliance with federal law. Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action. Please provide me with a full updated copy of my Experian credit file upon completion of your reinvestigation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: AL

Complaint narrative:
Qualia is inaccurately and unverifiably reporting Account # XXXX ( XXXX XXXX XXXX ). Despite multiple disputes, the account remains uncorrected in violation of federal law. This violates the Fair Credit Reporting Act ( FCRA, 15 U.S. C. Sections 1681s-2 & 1681i ), as Qualia has failed to provide documenting validating the account and continues furnishing inaccurate information. If Qualia is acting as a collector, this also violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U. S. C. Section 1692e ) by reporting false or misleading data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
TransUnion is reporting false and misleading information on my XXXXXXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed to the CFPB that the account went delinquent in XX/XX/XXXX, was charged off in XX/XX/XXXX, closed on XX/XX/XXXX, and settled with final payment in XX/XX/XXXX. Despite this, TransUnion continues to show rolling charge-offs in XXXX, contradictory statuses ( paid in full, settled, and charge-off ), and a last payment date of XX/XX/XXXXXXXX  that unlawfully re-ages the account. 

This inaccurate reporting has caused denials of credit, higher interest rates, and ongoing emotional distress. It also unlawfully extends the derogatory impact beyond the 7 years allowed from the original Date of First Delinquency. I am requesting correction to : Settled for less than full balance, {$0.00} owed, closed with no post-XXXX XXXX  charge-offs, and confirmation that the removal date is based on the XX/XX/XXXX DOFD ( no later than XX/XX/XXXXXXXX  ).

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 2025-09-04 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent account that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in questionXXXX XXXX XXXX XXXXwere opened fraudulently and are the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Equifax failed to block the fraudulent information within four business days, as required by law. 
Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing the accuracy of a charge-off that is being reported in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611 ( a ). 

The account is currently showing twice : With the original creditor as a charge-off, still reflecting a balance owed. 

With a collection agency, also showing a balance owed for the same debt. 

This is inaccurate and misleading because it makes it appear that I owe the same debt twice. Under FCRA 607 ( b ), consumer reporting agencies must assure maximum possible accuracy in the information they report. Reporting the same account as two separate debts with balances violates this requirement.

Furthermore, I have disputed this account with the credit bureaus. The reinvestigation under FCRA 611 ( a ) failed to correct or delete the inaccurate duplicate reporting, despite my request for validation. This constitutes a failure to properly investigate and ensure the accuracy of the information.

I am requesting that this charge-off and/or duplicate reporting be removed from my credit reports with XXXX, XXXX, and XXXX  in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-09-04 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: IL

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
On XX/XX/year>, I obtained a copy of my Experian credit report after filing a dispute regarding an account with XXXX XXXX XXXX . The report showed conflicting and inaccurate information before and after the dispute : Before the dispute ( Report generated XX/XX/year>XXXX  ) : The account was reported as Closed with a {$690.00} balance XX/XX/year>. Experian also reported a 30-day late payment for XX/XX/year>. 

After the dispute ( Updated XX/XX/year>XXXX  ) : The account was changed to Paid, Closed with {$0.00} balance. However, Experian still reported a XX/XX/year>XXXX  late payment and removed several years of accurate payment history ( XXXX ). 

This creates a misleading record. The account can not be simultaneously Paid, Closed with {$0.00} balance and also show a delinquency in XX/XX/year>. 
Under 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ), Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Experian failed to do so by reporting a false XX/XX/year>XXXX  late payment and deleting accurate payment history. 

Under 15 U.S.C. 1681i ( FCRA 611 ), Experian has a duty to reinvestigate disputed information. Instead of correcting the errors, Experian introduced new inaccuracies and removed accurate data, which violates this duty. 

Equifax and transunion are both also reporting this same 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 explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filling complaint against Capitol One regarding the deceptive practices related to their 360 high yield interest savings account.Capital One misrepresented the 360 savings account as having one of the nations highest rates. Yet fled to notify account holders about the superior rates offered by the 360 XXXX XXXX account. This deliberate obscurity a lack of transparency violated consumer trust as it results in significant financial loss for many, breaching the Consumer Financial Protection Act a the Thruth in the Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
In XXXX and XXXX, I filed disputes with Experian about accounts on my report that I do not recognize and believe are tied to identity theft. Along with my dispute letters, I included my Identity Theft Report as proof. Despite this, Experian has not corrected or removed the fraudulent accounts, and they are still being reported to this day.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt. 

Until such validation is provided, this account should be reported as disputed under the XXXX XXXX guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations. 

I request that all communication be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
This is not a mistake. The following accounts are appearing in my name without my authorization : [ list account numbers / creditor names/ last 4 digits ]. I never opened, authorized, or managed these 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 2025-09-04 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: LEXISNEXIS
State: IL

Complaint narrative:
I am filing this complaint regarding multiple FCRA and FDCPA violations that have caused ongoing financial harm. Despite sending multiple certified disputes, the credit bureaus ( XXXX, XXXX, XXXX  ), LexisNexis, and the furnisher ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) have failed to conduct a reasonable investigation or correct inaccurate reporting. 



Violations : Re-aging of debt : XXXX XXXX continues to report Charge-Off every single month into XXXX, even though the account was charged off in XX/XX/XXXX after my last payment in XX/XX/XXXX. A charge-off can only occur once, not continuously, and this artificially extends derogatory history beyond the 7-year reporting limit. 

Post-sale reporting : XXXX has no authority to update this account after it was sold to XXXX XXXX XXXX. Yet they continue to furnish data monthly as if it is still active. 

Duplicate derogatories : Both XXXX and XXXX are reporting the same account in different forms, creating double damage to my credit profile. 

Failure to verify : The bureaus and LexisNexis closed disputes by simply accepting the furnishers word, without providing me with original contracts, account statements, or IRS 1099-C forms. This violates FCRA 611 ( reasonable reinvestigation ).

Contradictory reporting : Some reports show Paid / Balance {$0.00}/ Sold, yet the same tradeline continues updating monthly as a negative charge-off. 

Reseller failure : LexisNexis acknowledged submitting my dispute to XXXX  but admitted it never received a response. They still closed the dispute without resolution. 



Harm : Because of these violations, I have suffered : Denial of credit and housing opportunities Higher interest rates on approved accounts Emotional distress and loss of financial opportunities Resolution Requested : Immediate deletion of all inaccurate, duplicate, and re-aged tradelines related to XXXX XXXX XXXX and XXXX XXXX XXXX. 

Full documentation used to verify the accounts, including contracts, payment history, charge-off notices, IRS 1099-C , and chain of assignment. 

Assurance that reporting is corrected across all bureaus and resellers.

Regulatory review of these companies for systemic abuse of consumer rights.

What resolution are you seeking?

Removal of inaccurate tradelines Correction of reporting errors Enforcement action against the companies Compensation for damages caused by inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-04 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
My information has been leaked in a data breach. I have collection on my credit report that should not be on there. the collections says my account is open. The collection bought the accounts from another company and is saying I own them. I asked them for a contract between me and them with my signature and they have not sent me it. They cant because there is no contract between me and then so why are they coming after me. I dont own them anything. They have messed my credit up and I need help please.

Company response to consumer: Closed with explanation