vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
I am submitting this letter as my second formal dispute regarding multiple inaccuracies appearing on my Experian and TransUnion credit report. Despite my previous dispute submission and the documentation I provided, the errors outlined below remain uncorrected, which continues to misrepresent my credit history and adversely affects my creditworthiness. The ongoing reporting of inaccurate information is causing unnecessary harm to my ability to obtain financial products under fair and reasonable terms, and it is also damaging my financial reputation. I am requesting a thorough reinvestigation, verification, and updating of all inaccurate information in compliance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 2 ), and 605 ( a ), to ensure my credit file reflects only accurate, complete, and verifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, TX 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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IL

Complaint narrative:
I signed up for a free trial of XXXX music premium and it was set to auto renew on XX/XX/year> well the funds were not available however XXXX has attempted to debit that amount from my account XXXX times since the date mentioned above now yes I understand that I can and should have canceled the subscription but XXXX times in XXXX or XXXX  days is flat ridiculous and predatory especially for a multi billion dollar company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
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 2025-12-24 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:
EQUIFAX and EXPERIAN and Trans union have data breaches. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, these bureaus are legally required to conduct a " reasonable reinvestigation '' of any item you dispute. If they can not verify the information within 30 days, they must delete it. 
RE : FORMAL DISPUTE OF INACCURATE DATA NOTICE OF PENDING LITIGATION To the Dispute Department, I am writing to formally dispute the following inaccurate information on my credit report. I am aware of the recent legal actions taken by the CFPB against your agency regarding " sham investigations '' and failure to follow the Fair Credit Reporting Act ( FCRA ). I expect full compliance with federal law regarding my file. 
Under 15 U.S.C. 1681i ( a ), you are required to conduct a prompt and thorough reinvestigation of the items listed below. If these items can not be verified with documented evidence from the furnisher within 30 days, they must be permanently deleted from my file per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
The following items are inaccurate and must be removed. ALL NEGATIVE ITEMS ON MY CREDIT PROFILE. 
Furthermore, I am exercising my rights under 15 U.S.C. 1681i ( a ) ( 2 ), which requires you to notify the furnisher of this dispute within XXXX business days and provide them with all relevant evidence. Please be advised that " automated verification '' through the XXXX system without reviewing my specific documentation does not constitute a " reasonable investigation '' under the law. 
Failure to remove these unverified or inaccurate items puts you in " willful noncompliance '' under 15 U.S.C. 1681n, which XXXX subject your agency to statutory and punitive damages, as well as legal fees in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I used my XXXX bank account to pay my {$25.00} credit card fee. XXXX notified that the XXXX account has been removed due to unverifiable information However the bank routing number was off by XXXX digit so Capital One decided to block my account. I spoke with XXXX XXXX 's XXXX, XXXX, XXXX and regular XXXX over the XXXX day period as to the misinformation trying to update the information. Needless to say Capital One wouldn't accept the account. I resubmitted another {$25.00} payment using my another bank account for the processing on time. Furthermore Capital One asked me to ask my bank to XXXX them a letter with my banking information to prove the XXXX account is mine. My bank wouldn't do this type of transaction so they sent me the letter via email to give to Capital One bank. The letter was sent to me today. So I called Capital One and asked if they could send me a secured link instead of me sending it XXXX party unsecured fax. They refused. I was also charged a late fee of {$25.00} XXXX of applying the {$25.00} towards my bill for XX/XX/XXXX they applied it towards the late fee. The supervisor XXXX told me they didn't charge me a late fee when I looked at my account it CLEARLY SAY {$25.00} LATE FEE. IT SAYS THAT I ONLY HAVE {$4.00} CREDIT. XXXX argued with me and stated CAPITAL ONE CAN CHARGE ME UP TO {$40.00} LATE? INSTEAD OF {$25.00}. I WANT TO FILE A COMPLAINT BECAUSE I WAS TOLD BY THE XXXX WHO TOOK MY BANK INFORMATION and assured me that the TRANSACTION WOULD PROCESS TOWARDS THE BILL AND NOTHING ELSE. HERE IS THE PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
I am disputing the accuracy of the XXXX XXXX Bank / LVNV Funding account reported on my credit file. 

This account contains inaccurate and incomplete information, including but not limited to the balance and reporting details. 

Please investigate this matter and provide verification that this account is being reported accurately, including documentation bearing my signature or proof of consumer responsibility, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

If the information can not be fully verified, please delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

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 2025-12-24 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: CA

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

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 2025-12-24 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: AZ

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-12-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
My student loans were being reported inaccurate/delinquent when it shouldve been paused and in forbearance. 
I am writing to dispute the unauthorized access to my student loan data by DOGE agents. This access constitutes a violation of my rights under the Privacy Act and FERPA. I request that DOGE be ordered to cease all further access to my records, that my personal information be returned to me, and that my student loans be removed from my credit report. 
This loan has been closed out and Transferred to a new loan servicer under new terms. Please remove this account from my credit file in compliance with the FCRA immediately this is a violation will be a PreArbitration Demand Letter with Intent to Sue based on 15 U.S.C. 1681 Fair Credit Reporting Act FCR

Company response to consumer: Untimely response
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
A card I haven't used for a long time, was taken and used by another individual without my knowledge. The company ( XXXX XXXX ) did not alert me of these charges and sent to collections.

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 2025-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
am filing a complaint against Jefferson Capital Systems , LLC for reporting inaccurate credit information.

The account Jefferson Capital is reporting was paid in full and closed in 2018. Despite this, the company continues to report the account as having an outstanding balance, which is incorrect.

This is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires furnishers to report accurate information and to correct or delete information that can not be verified.

I am requesting that Jefferson Capital : Conduct a full investigation Provide written verification showing a valid remaining balance, or Delete the account from all credit reporting agencies if they can not verify the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: HI

Complaint narrative:
I am submitting this fourth-round dispute regarding the ongoing and persistent inaccuracies appearing on my Equifax, Experian and TransUnion credit report, which continue to misrepresent my financial history and impede my ability to access credit on fair and accurate terms. Despite multiple previous disputes and the supporting documentation I have provided, these errors remain uncorrected, reflecting a disregard for the obligations imposed by the Fair Credit Reporting Act ( FCRA ). The continued reporting of inaccurate information is unacceptable and has caused significant frustration, reputational harm, and potential financial detriment. I am formally requesting a thorough, aggressive reinvestigation and correction of each inaccuracy in strict compliance with FCRA 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 2 ), and 605 ( a ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, HI XXXX XXXX XXXX XXXX XXXX, HI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: HI

Complaint narrative:
I am submitting this fourth-round dispute regarding the ongoing and persistent inaccuracies appearing on my Equifax, Experian and TransUnion credit report, which continue to misrepresent my financial history and impede my ability to access credit on fair and accurate terms. Despite multiple previous disputes and the supporting documentation I have provided, these errors remain uncorrected, reflecting a disregard for the obligations imposed by the Fair Credit Reporting Act ( FCRA ). The continued reporting of inaccurate information is unacceptable and has caused significant frustration, reputational harm, and potential financial detriment. I am formally requesting a thorough, aggressive reinvestigation and correction of each inaccuracy in strict compliance with FCRA 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 2 ), and 605 ( a ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, HI XXXX XXXX XXXX XXXX XXXX, HI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
Can you verify this entry? It might be erroneous or delayed.

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 2025-12-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation