vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a all the XXXX who opened up a XXXX account in my name without my permission once I moved out and now I am {$2500.00} in the hole which is affecting my credit and its like you removed. Her name was XXXX XXXX XXXX her XXXX XXXX XXXX in case that information helps you whatsoever.

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 2025-11-29 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: TX

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion are reporting inaccurate, obsolete, erroneous, misleading, and unverifiable information on my consumer reports. 
These errors have caused mental anguish, emotional distress, humiliation, economic harm, and have prevented me from obtaining credit. 

I sent written dispute letters to all three credit reporting agencies on XX/XX/year> ( copies referenced in this complaint ). My letters clearly identify that several accounts on my reports are unverified, inaccurate, or falsely attributed to me. I requested proper reinvestigation under 15 U.S.C. 1681i. 

The credit bureaus have not corrected or removed the disputed items, have not verified the sources of the information, and have not provided evidence showing that I authorized them to report or furnish any of the accounts they are publishing about me.

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 2025-11-29 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: SC

Complaint narrative:
Equifax failed to investigate or respond to my dispute entirely. This violates FCRA section 611 ( a ) ( 1 ) ( A ), which mandates a reinvestigation within XXXX  days. Equifax continues to report negative accounts that were never verified, including accounts from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. None of these accounts were supported with verification documents. Equifax did not provide contracts, payment history, assignment records, investigation logs, or any documentation. Under section 607 ( b ), Equifax must ensure maximum possible accuracy. Under controlling case law including XXXX, XXXX, and XXXX, unverifiable accounts can not remain. The bureaus failure to investigate makes the items legally unverifiable. 




I requested complete verification of all negative accounts appearing on my Equifax credit report, including original contracts, application data, payment histories, billing statements, itemized balance breakdowns, charge-off documentation, collection assignment documents, bill of sale, repossession records, internal investigation notes, e-OSCAR responses, and the complete Method of Verification used by Equifax. I requested these documents under FCRA sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 611 ( a ) ( 7 ). Equifax did not respond or provide any documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson Capital Systems XXXX XXXX, MN XXXX RE : Dispute and Validation Request for Account XXXX XXXXXXXX This is a formal dispute of the account below and a request for full verification. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting complete and thorough validation of this account. Please supply the following documentation : A copy of any original signed agreement or contract establishing responsibility for this debt. 
Proof that your organization has legal authorization to collect or report this account. 
A full itemized accounting of all charges, fees, payments, and interest applied to the account. 
Documentation showing rightful ownership or transfer of the debt, if applicable. 
Until proper validation is provided, all reporting and collection efforts must cease as required by federal law. If you are unable to verify this account, it must be removed from all credit reporting agencies immediately. 
Thank you for your prompt attention to this matter. This issue affects my credit standing and requires urgent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TN

Complaint narrative:
I am filing this formal complaint against XXXX  / EXPERIAN for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. 

I have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable. The reporting of this account is legally flawed for the following reasons : FRAGMENTED AND INCONSISTENT DATA : The reporting of this account varies significantly across the XXXX major credit bureaus. Specifically, the " Date Opened '' is reported inconsistently, with one bureau displaying two different opening dates for the same account number. It is factually impossible for a single account to have multiple origination dates. This proves the data is corrupted and unreliable.

STALE/OBSOLETE REPORTING : One bureau has failed to update the status of this account since XXXX, while others show different activity. A creditor is required to report accurate, up-to-date information. Reporting a " current '' derogatory status based on data that has not been updated in over a year is misleading and violates the accuracy standards of the FCRA.

MISSING METRO 2 COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the Consumer Data Industry Association 's Metro 2 standards ) are left blank or reported as " unknown '' across the bureaus.

I have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information. Because the data integrity is compromised and the bureaus can not agree on the basic facts of the account ( dates, activity, status ), the account is legally unverifiable.

RESOLUTION SOUGHT : In accordance with the FCRA, if information can not be verified with accuracy, it must be deleted. I am requesting the immediate deletion of this trade line from my credit report. Do not merely " update '' the account ; the historical inconsistency proves the data source is flawed.

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 2025-11-29 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

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

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
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. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX : {$0.00} - Date Opened : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am disputing inaccurate and contradictory credit reporting by the XXXX Department of Education XXXX Nelnet on multiple federal student loan tradelines across XXXX XXXX XXXX XXXX 

For each of my XXXX XXXX XXXX XXXX XXXX examples : account number series XXXX, including current balances approximately {$21000.00}, {$20000.00}, {$19000.00}, {$11000.00}, {$7100.00}, and {$3400.00} ), the tradelines all show : Status fields of In Good Standing/ As Agreed/ {$0.00} past due, and Payment history grids showing XXXX  day delinquencies for XXXX XXXX  ( and on XXXX loan, XXXX XXXX  ), even though the account is now current and there is no past-due balance. 

These XXXX things can not both be true at the same time. If the loans are current/ as agreed / {$0.00} past due, then they should not be coded as XXXX  days late in the same time period. This is internally inconsistent and misleading under the XXXX XXXX XXXX Acts requirement for accurate and non-misleading reporting. 

I have mailed XXXX certified dispute letters directly to Dept of Education / Nelnet at the addresses shown on my credit reports ( including XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX ). My most recent letters were sent in XXXX  by certified mail with return receipts. 

In those letters I specifically requested : A reasonable investigation of the XXXX XXXX  late codes, Documentary proof showing any amount that was actually past due in those months, and Correction or deletion of any inaccurate or unverified late payments. 

To date, I have not received any meaningful documentation or correction. The accounts continue to report as As Agreed/ In Good Standing/ {$0.00} past due while simultaneously showing multiple XXXX day delinquencies in XXXX, and they are now also coded as Dispute Resolved Consumer Disagrees or Consumer Disputes After Resolution, even though the core inaccuracy was never fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, I purchased tickets for the XXXX  XXXX  XXXX  Package, costing {$420.00}, for the event held on XX/XX/year>. The XXXX XXXX specifically included : XXXX sky lanterns, a lantern ceremony, XXXX musical performances, a portable cushion, unlimited water refills, and a scheduled entry time. 

At the event, the majority of these goods/services were not provided, including : - No lanterns were distributed - The lantern ceremony did not occur - Only XXXX of XXXX performances took place - No portable cushions were provided ; attendees sat on the ground - Complimentary water, advertised as included, was refused and required to pay for - The scheduled entry time was delayed by hours with no direct notice to ticket holders This is a case of non-receipt of goods/services, not a weather-related complaint. 

I disputed the charge with Capital One multiple times. The merchant responded only with : - Proof of purchase - A no refund policy - Generic terms and conditions - A check-in record showing I entered the venue The merchant has never provided any proof that the goods/services included in the XXXX  XXXX  were fulfilled. A check-in scan only confirms entry ; it does not prove that the promised goods/services were delivered. A no-refund policy does not apply when a merchant fails to deliver fundamental components of the purchase. 

Despite the evidence I provided, Capital One denied my dispute XXXX times. The dispute appears to have been misclassified as a refund denial rather than a case of non-receipt of goods/services. I am requesting CFPB assistance in having Capital One reopen and correctly classify this dispute and require the merchant to provide proof of fulfillment of the goods/services included in the XXXX XXXX XXXX The merchant can not provide such proof because these items/services were not delivered. 

The event was promoted heavily as a lantern ceremony, which is the primary reason many customers purchase tickets. This core service was not provided, along with several other promised components of the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Immediate Deletion of Fraudulent Accounts To Whom It May Concern : I am writing to contest inaccurate and fraudulent information appearing on my credit report in accordance with 15 U.S.C. 1681c-2, and to formally request the blocking and deletion of this erroneous data.

Enclosed is a copy of my Police Report and/or FTC Identity Theft Report ( FTC Report XXXX : XXXX as evidence supporting my identity theft claim. As required by law, upon submission of an identity theft report, credit reporting agencies must block any information identified as stemming from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  I do not recognize or acknowledge this account/inquiry as mine. It was not opened, authorized, or initiated by me. Reporting this account constitutes a violation of my rights under : FCRA 605B ( 15 U.S.C. 1681c-2 ) Obligation to block information resulting from identity theft.

FCRA 611 ( 15 U.S.C. 1681i ) Duty to reinvestigate disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers must report only accurate and verifiable information.

15 U.S.C. 1681b Prohibitions on impermissible use and reporting of non-public consumer information. 

For your convenience, I have included : Copy of my FTC Identity Theft Report and/or Police Report. 

Copy of my credit report highlighting the fraudulent account I request the immediate removal of the fraudulent account ( XXXX ) and inquiries listed above from my credit report. Copies of this packet have been transmitted to your office via Certified Mail and/or Fax for proper record. 
Sincerely, 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 2025-11-29 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


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

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

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

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

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

Company response to consumer: Closed with non-monetary relief