vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: MD

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX/XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX  collection account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX XXXX XXXX collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX/XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX XXXX XXXX  Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a credit card with Capital One. I been a customer for multiple years and never had this issue before. I had an issue with my online account last month ( XXXX ) and I was not able to make my minimum payment on time. I called customer service and spoke with someone who kindly waived the late fee that was applied. I was advised to set up autopay to avoid this issue again. I set up auto-pay and was advised it was going to take effect in XXXX. I received an email today ( XX/XX/year> ) stating my account was past due. I called customer service again and they told me the auto-pay was activated with a set amount every month ( {$70.00} ) I told the agent that the previous agent never told me autopay would be set up with a fixed amount and not with the minimum payment amount. I asked the late fee to be waived but the agent told me he couldnt waive it. I told him that the other agent did not inform me how the autopay would process. I dont think its fair for me to pay the late fee when the trained agent did not inform me how the autopay was a set amount and not the minimum payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I submitted a formal dispute letter to Equifax on XX/XX/year>, requesting reinvestigation and deletion of inaccurate, outdated, and unverifiable information on my credit report under FCRA 609 ( a ), 611 ( a ), and 623.

Despite detailing the violations, Equifax has failed to correct the errors. I continue to suffer harm due to the inaccurate information, including : Incorrect Personal Information : Name variations like 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 Three 30-day lates with no documentation ( FCRA 609 ) I requested a reinvestigation and written response within 30 days. If the data can not be verified, it must be deleted. I have not received sufficient resolution, and Equifax is now in violation of 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information listed on my credit report. An eviction record reported by [ XXXX XXXX XXXX XXXX XXXXXXXX ] appears on my report, but I was never legally evicted from any property. The record in question appears as : Eviction Record Reported by : XXXX XXXX Date : XX/XX/XXXX Reported by : XXXX XXXX Date : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information. This eviction is inaccurate for the following reasons : [ Choose or explain your situation briefly, e.g. : ] My Drivers license and Social Security Card were stolen back in XXXX I havent applied for an home since XXXX I request that this eviction record be investigated and either verified with supporting legal documentation or removed from my credit report entirely. If it can not be verified, it must be deleted in accordance with 15 U.S.C. 1681i ( a ). Attached are the following documents to support my claim : Copy of my ID Police Report ( identity theft ) social security card Please complete the investigation within 30 days, as required by the FCRA, and notify me in writing of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-07-10 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX Is suing me for a debt that is not owed. The person who owes this debt does have the same first and last name. When I call the company they acknowledge that me and the person who the debt is actually for do not have the same social and the last four of the social do not match the last four of mine. Yet even after a year of trying to resolve the issue with the company they still sued me and got a default judgment against me. The card was opened in 2016 but my last name was not the one me and the person share in 2016. I have explained this and they refuse to do anything about it. The amount the other person owes is around {$3800.00}.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BetterNOI, LLC
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information listed on my credit report. An eviction record reported by [ XXXXXXXX XXXX XXXX XXXX XXXXXXXX ] appears on my report, but I was never legally evicted from any property. The record in question appears as : Eviction Record Reported by : XXXX XXXX Date : XX/XX/XXXX Reported by : XXXX XXXX Date : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information. This eviction is inaccurate for the following reasons : [ Choose or explain your situation briefly, e.g. : ] My Drivers license and Social Security Card were stolen back in XXXX I havent applied for an home since XXXX I request that this eviction record be investigated and either verified with supporting legal documentation or removed from my credit report entirely. If it can not be verified, it must be deleted in accordance with 15 U.S.C. 1681i ( a ). Attached are the following documents to support my claim : Copy of my ID Police Report ( identity theft ) social security card Please complete the investigation within 30 days, as required by the FCRA, and notify me in writing of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: 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 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.

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 2025-07-09 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America there is a past due balance of XXXX XX/XX/XXXX XXXX  past due balance of XXXX XX/XX/XXXX XXXX  past due balance of XXXX XX/XX/XXXX My identity was compromised and all of my information was sold to third parties I am a victim of identity theft

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX # XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : 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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because Experian continues to report a bankruptcy on my credit report that is unverified and inaccurate. I submitted documentation from the bankruptcy court confirming that they do not report any consumer data to Experian or any other credit bureaus. Experian claimed the bankruptcy was validated, but failed to provide documentation from the original source.

Instead, they rely on a third-party vendor, such as XXXX or XXXX, which is not a direct data furnisher and does not satisfy the verification requirements under the FCRA ( 15 U.S.C. 1681e ( b ) ). This is a repeated violation.

The court has confirmed in writing that they do not furnish data to any consumer reporting agency. Therefore, Experians continued reporting of this information is legally inaccurate and causes ongoing harm to me.

I am requesting the immediate deletion of this unverifiable public record and that the CFPB take enforcement action against Experian for failing to comply 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 2025-07-09 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: GA

Complaint narrative:
I am writing to formally dispute certain information appearing on my credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), the Fair Credit Billing Act ( 15 USC 1666 et seq. ), and the Truth in Lending Act ( 15 USC 1637b ).

Specifically, I am contesting the following : The listing of the account reported as current, with the remarks indicating Managed by credit counseling, which I believe is inaccurate and misleading. 
The failure to correct or remove inaccurate information despite my previous request. 
Any associated violations of my rights under federal law as detailed below. 
Legal Violations : 1. 15 USC 166b Fair Credit Billing Act : This statute mandates that billing errors, including inaccurate or incomplete information, must be corrected promptly. Continued reporting of incorrect account status or payment history violates my rights under this law.

2. 15 USC 1637b Fair Credit Billing Act : This section requires creditors to provide timely and accurate billing statements and corrections. If my dispute regarding the account status or billing errors has not been resolved, this constitutes a violation.

3. 15 USC 1681s-2 Responsibilities of furnishers of information to credit bureaus : This section obligates furnishers to ensure the accuracy of the information they report. Willful or negligent failure to correct inaccurate information after notice breaches this obligation.

Request for Action : Immediately investigate and verify the accuracy of the disputed information. 
Correct or delete any inaccurate or incomplete information from my credit report. 
Provide me with written confirmation of the results of your investigation and any actions taken. 
Cease reporting any inaccurate information as required under federal law. 
Please find attached copies of relevant documentation supporting my dispute. 

I request a response within the timeframe mandated by law ( generally 30 days ). Failure to comply may result in further legal action. 

Thank you for your prompt attention to this matter.

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