vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information
Any other 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 ) 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 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information
Any other 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 ) 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 non-monetary relief
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Equifax is reporting numerous XXXX tradelines under the same root loan number ( XXXXXXXX XXXX XXXX XXXX XXXX  ) as separate open/current accounts with different balances and dates opened. These include balances such as {$4800.00}, {$4000.00}, {$2200.00}, {$1900.00}, {$1800.00}, {$2100.00}, {$1400.00}, {$4400.00}, {$8800.00}, and {$5300.00}. Comments include Dispute resolved ; customer disagrees, despite ongoing disputes. This is duplicate and inconsistent reporting and violates FCRA accuracy and reinvestigation requirements, as well as proper Metro-2 dispute coding ( should be XXXX, not dispute resolved ). 
Collections XXXX  / XXXX XXXX XXXX ( XXXX  ) : Equifax reports both XXXX  and XXXX XXXX XXXX for the same {$1800.00} debt as separate derogatory entries ( both opened in XX/XX/year> ). This double-counts the same obligation and inflates derogatory items. 
Collections XXXX / XXXX : Dates and last updated fields differ across bureaus ; Equifax shows XX/XX/year> opened and XX/XX/year> last reported. No verification documents have been provided after dispute. 
Revolving/installment inconsistencies : Equifax shows contradictory or misaligned data versus other bureause.g., XXXX  XXXX marked as previously in dispute now resolved by data furnisher while retaining unvalidated late-payment notations ; XXXX  reflects late-pay markers misaligned with other bureaus ; XXXX  is shown as Paid/Closed yet marked Late 30 Days and coded as consumer disputes after resolution, which is inconsistent with Metro-2 field rules.

Over several months, I requested from Equifax : ( 1 ) the method of verification and the furnisher name for each item ; ( 2 ) copies of documentation used to verify ( applications/contracts/statements ) ; ( 3 ) deletion of unverifiable and duplicate entries ( especially XXXX and XXXX XXXX ) ; ( XXXX ) correction of conflicting payment histories/status codes ; ( XXXX ) proper Metro-2 XXXX  dispute coding ; and ( XXXX XXXX updated reports showing reinvestigation results. I have not received verification or documentation ; the inaccurate data remains. 
Equifax has failed to maintain maximum possible accuracy ( FCRA 607 ( b ) ), to reasonably reinvestigate ( 611 ( a ) ), and the furnishers appear to be providing inaccurate information ( 623 ( a ) ( 1 ) ( A ) ). I am asking the CFPB to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: PA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CT

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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I received notification stating that a payment of {$240.00} was due to the debt company, XXXXXXXX XXXXl. I made a previous payment arrangement stating that I would pay {$210.00} on the account in XXXX and it should have been closed. Now theyre saying that XXXX payment is missing and I owe {$240.00}. Which is absolutely not true.. This company is asking for more money than what was arranged and thats not good practice.I believe that this company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Subject : Formal Dispute and Demand for Full Investigation Inaccurate and Unverifiable Credit Reporting Dear Experian, I am writing to formally dispute the reporting of inaccurate and/or unverifiable information on my credit report. These inaccuracies are causing direct harm to my financial stability, reputation, and access to credit. 
Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), your agency is legally obligated to conduct a reasonable investigation of disputed information. If the information can not be verified through proper documentation, it must be promptly corrected or deleted. 
XXXX. Legal Violations and Consumer Protection Context The Consumer Financial Protection Bureau ( CFPB ) has recently taken enforcement action against major credit bureaus, including Experian, for failing to properly investigate consumer disputes. These violations include, but are not limited to : Failing to conduct a meaningful investigation. 
Reinserting previously disputed or inaccurate information without proper justification. Failing to notify consumers of the results in a clear and transparent manner. 
Given this record of misconduct, I am putting your bureau on notice : any mishandling of my dispute constitutes willful and/or negligent violations of the FCRA, exposing your organization to liability under 15 U.S.C. 1681n and 1681o.

2. Specific Demands I hereby demand that your agency : Conduct a lawful, good-faith investigation of each disputed account. 
Provide all documentation that substantiates any verified information. 
Delete or correct all unverifiable or inaccurate information immediately. 
Provide written confirmation of each action taken within the statutory XXXX window. 
XXXX. Escalation and Enforcement This dispute is simultaneously being documented with the CFPB. Should your agency fail to comply fully with federal law, I will : File formal complaints with the CFPB and the Federal Trade Commission ( FTC ). Pursue all legal remedies available, including damages for willful or negligent noncompliance. Submit documentation to state regulators and consumer protection agencies. 
XXXX. Notice of Rights Under 15 U.S.C. 1681g, I am entitled to a full disclosure of my credit file, and under 1681i ( a ) ( 6 ), I am entitled to a written description of your investigation results. If the disputed information is not verified with actual evidence, it must be deleted from my credit report. 
I expect prompt and full compliance within the XXXX timeframe required by law. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
This company has repeatedly violated laws and rules put in place to protect consumers, calls day and night hourly even after asked for them to stop or when told its not a convent time and has not verified the debt. To date I have not received or approved any debt transfer or verification of the debt satisfactory with state and federal laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: I.C. System, Inc.
State: FL

Complaint narrative:
Complaint Summary : This complaint is filed under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding multiple XXXX XXXX, XXXX XXXX Collection, and XXXX XXXX XXXX  have reported inaccurate, unvalidated, or duplicative rental-related as well as extortionate tradelines on my consumer reports. 

Despite formal written disputes and validation requests, these furnishers have continued to report the accounts without providing any legally required documentation such as a signed lease agreement, payment ledger, or consent authorization. This failure violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. Furnishing data without verification of tenant consent or the existence of a lawful lease constitutes negligent and willful non-compliance.

Under 15 U.S.C. 1681i, the consumer reporting agencies were required to conduct a reasonable reinvestigation within XXXX ( XXXX ) days of dispute and to delete or correct any information that could not be verified. The continued appearance of these tradelines, without substantiation, demonstrates the failure of both the furnishers and the credit bureaus to meet their statutory duties. 

Furthermore, the data reflected on my report shows discrepancies in move-in and move-out dates, inflated balances, and possible duplicate XXXX a direct violation of 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. These ongoing inaccuracies are causing measurable harm through credit denials and reputational damage.

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
Several written letters to dispute debt since reported on my credit but I have not recieved any record to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: WA

Complaint narrative:
What happened? 

In about the end of XXXX early XXXX, I paid {$2500.00} through KeyBank for a membership with Inside Success via XXXX. The merchant promised me a refund in writing but never sent it. Instead, they canceled my membership, suspended my account, and retaliated against me for filing a chargeback. I submitted all of this evidence to XXXX dispute department, including : Texts and emails showing the merchant promised a refund. Emails from XXXX confirming my membership was canceled due to the chargeback. Notice that my account was suspended solely because I disputed the charge. Despite this, KeyBank denied my dispute and told me to contact the merchant, which I had already done multiple times. The merchant refused to resolve the issue. Under Regulation Z ( Truth in Lending Act ), the bank must conduct a reasonable investigation of billing disputes. KeyBank ignored the evidence I provided and sided with the merchant even though no services were rendered and the merchant admitted cancellation. As a result, I have lost {$2500.00} and my KeyBank checking account is now negative. My XXXX paycheck is linked to this account, leaving me with no access to funds. When I spoke to XXXX dispute center by phone, they told me to contact the merchant directly. This is improper under XXXX XXXX, which requires the bank to investigate. The merchant had already refused to help me, which is why I filed the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NV

Complaint narrative:
On XX/XX/year>, a collection account from XXXX XXXX XXXX for XXXX XXXX XXXX amount of {$1700.00} was reported on my credit file. I disputed this account with all three credit bureaus ( TXXXX Equifax, XXXX ) in XX/XX/year> under my rights provided by the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ). 

I sent written dispute letters, copies of my identification, proof of address, and highlighted credit reports via certified mail. The bureaus either : XXXX. Failed to provide a full investigation and proper documentation within 30 days, or XXXX. Verified the account without supplying any signed contracts, itemized billing statements, or proof that the information is accurate, complete, and legally reportable. 

Because the debt remains unverified and incomplete, its continued reporting violates the FCRA. This inaccurate account is damaging my creditworthiness and causing financial harm. 

I am requesting that the Consumer Financial Protection Bureau ensure compliance and require the credit bureaus to either : Permanently delete the unverifiable collection and any other inaccurate accounts, or Provide full documentation proving their accuracy and legal basis for reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: GA

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 XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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 filing this complaint against Equifax and Experian for the XXXX XXXX XXXX XXXXXXXX accounts that were added to my credit report. I am filing this because of an unverified debt on my credit report. XXXXXXXX XXXX XXXXXXXX failed to verify the debt in accordance with the Fair Credit reporting act. Please see the attached letters requesting verification of debt and CFPB complaint. I am requesting deletion of the unverified obligation from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
15usc1681i law said if it is inaccurate information

Company response to consumer: Closed with explanation