vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my XXXX car lease account, which was mistakenly sent to collections and inaccurately reported to credit bureaus. 
My XXXX lease account was active from XXXX through its return in XXXX. Throughout the full XXXX-year lease term, my account remained on autopay and paperless notifications, and no payments were ever missed or late. This demonstrates a consistent history of on-time payments and responsible account management. 
In XXXX, I was contacted by a collections company regarding non-payment of the bill from returning the lease. Prior to this contact, I had no knowledge of any outstanding balance. Upon contacting XXXX for clarification, they confirmed they had been sending paper statements ( See Attached ) regarding the lease return cost to my old address at XXXX XXXX XXXX, XXXX, which I moved from in XXXX. This was neither my current address nor my preferred method of contact, which I had previously set up with XXXX. I have always used email as my primary method of receiving payment notifications and balance updates, and my email address has never changed ( that same email address is also being used to report this ). 
Postal forwarding was only set up for XXXX year upon my move in XXXX, and the companys attempts to reach me by mail extended well beyond that period. I was unaware of the issue until contacted by collections, and I paid the balance in full within approx XXXX weeks of notification. 
This collection reporting is inaccurate, misleading, and inconsistent with my long history of on-time payments, with XXXX and clean credit history. It was clearly the result of a communication error, not a failure to pay or delinquency on my part. Reporting this collection harms my credit record despite my responsible account management. 
I respectfully request that the CFPB investigate this matter and that the erroneous collection entry be removed from my credit report. I am happy to provide supporting documentation, including proof of autopay and statement XXXX sent me when asked for clairifcation that shows it being sent to my old XXXX address. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital 1 is reporting a 30 day late payment on my Quicksilver credit card account ending in XXXX for XX/XX/year>. This reporting is incorrect. 

The payment due date was XX/XX/year> and my payment was made on XX/XX/year>. Because this payment was made within 30 days of the due date, it should not be reported as a 30 day late payment under FCRA and XXXX XXXX credit reporting guidelines. A capital One representative confirmed that this mark should not have appeared on my credit report. 

This inaccurate information is causing financial harm. It has lowered my credit score by an estimate of XXXX points and because of this false negative information, I am currently being offered a higher interest rate on a loan I am in the process of closing. The incorrect reporting has a direct and immediate financial impact on me. 

I am requesting that Capital One correct this error and remove the late payment from all credit bureaus and provide written confirmation once corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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 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 XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- Balance : {$760.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$1200.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX -- Balance : {$13000.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- Balance : {$570.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- Balance : {$1300.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$1000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently I am stressed out because this company is violating my rights Under 15 U.S.C 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : 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 XXXXXX/XX/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 2025-11-08 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: OH

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 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My complaint concerns PayPals systemic failure in its core * * PayPal Purchase Protection Program * * regarding a purchase ( Transaction ID : Case ID XXXX ) involving faulty goods valued at * * {$150.00} * *. The claim was initiated * * well within the XXXX policy window * *. It is the complete and ongoing failure in PayPal 's duty of care and error resolution process. Despite providing all required evidence under the terms of the Protection Program, PayPal has engaged in protracted administrative delays and negligence, effectively denying the promised protection. This failure has caused significant quantifiable inconvenience and severe emotional distress. I demand that PayPal immediately processes a full reimbursement of * * {$150.00} * * ( Full Purchase Price ) and provides compensation of * * {$150.00} * * for the documented distress and inconvenience caused by their procedural failures, totalling * * {$300.00} * *.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of 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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2025, i received a fraud alert on my credit card with Bank of America. I was not able to take their call in that moment and ignored it with intentions to call them back the next day. They proceeded to contact my dad without my permission, who then merged calls with me. When I answered he explained that Bank of America called him and did not know how they got his number. the customer service did not know either and so i asked her to figure that out. she ignored me and proceeded to read off the charges in question without my permission and in the presence of somebody who should not have been. This is a MASSIVE violation of my privacy and trust. 
This morning, XXXXXXXX XXXX XXXX i called customer service and asked to speak to a XXXX. XXXX is the leader there who spoke with me. he then proceeded to tell me there was a third phone number attached to my account. A second violation of my trust. 

XXXX theory is that they pulled public records and attached the phone numbers to my account without my permission. Another violation of my trust and privacy. He agreed that these phone numbers should have never been on my account. Bank of America need to take accountability for this.

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 2025-11-08 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:
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. 

FRAUDULENT ACCOUNTS : XXXX Account number : XXXX -- {$1000.00} - Date Opened : XX/XX/XXXX XXXX XXXX Account number : XXXX - Date Opened : XX/XX/XXXXXXXX XXXX Account number : XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account number : XXXX -- {$19000.00} - Date Opened : XX/XX/XXXX XXXX  Account number : XXXX -- {$4800.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX -- {$4100.00} - Date Opened : XX/XX/XXXXXXXX XXXX Account number : XXXX -- {$5900.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Subject : Rebuttal to Credit Acceptance Corp. Continued Inaccurate Reporting / Request for Immediate Deletion Re : Auto Loan Account ending XXXX Summary This serves as a formal rebuttal to XXXX XXXX XXXX recent response regarding my CFPB complaint. Their letter dated [ insert date ] confirms multiple violations under the Fair Credit Reporting Act ( FCRA ) and Metro 2 data-furnishing standards. 

They acknowledge : A Date of First Delinquency ( DOFD ) of XX/XX/XXXX, Yet continue to report the account as XXXX days past due as of XX/XX/XXXX, While marking the account as open across multiple credit bureaus with different past-due balances. 

This pattern constitutes improper re-aging, inconsistent data furnishing, and misrepresentation of account status. 

Violations Identified FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate and inconsistent information to CRAs.

FCRA 623 ( a ) ( 5 ) Improper re-aging by updating the account as continuously delinquent for over 36 months beyond DOFD.

FCRA 607 ( b ) Failure to ensure maximum possible accuracy.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of the legal status of the debt.

Metro 2 CRRG Field 17 ( Account Status ) and Field 71 ( Past-Due Amount ) require accurate and consistent status across CRAs ; continuous 180-day delinquency violates these fields.

Requested Action I respectfully request that the CFPB instruct Credit Acceptance Corp. to : Cease all credit reporting and collection activity on this account immediately ; Delete the tradeline in its entirety from all consumer reporting agencies ( XXXX, XXXX, and XXXX  ) due to unverifiable and re-aged reporting ; Provide written confirmation of deletion or correction within 15 days as permitted under FCRA 611 ( a ) ( 1 ) ( A ) ; Ensure no further furnishing occurs unless Credit Acceptance can provide verifiable documentation proving that reporting is compliant with FCRA and Metro 2 standards.

Supporting Case Law Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) CRAs and furnishers must ensure maximum possible accuracy.

Richardson v. Equifax, 2004 WL 1124643 Inconsistent data across CRAs is inaccurate under FCRA.

Evantash v. G.E. Capital, 2001 WL 34103232 Continuing delinquency reporting beyond DOFD constitutes re-aging.

Conclusion Credit Acceptances own admissions prove this tradeline has been re-aged and inaccurately furnished.

I request that the CFPB instruct the furnisher to immediately delete this account from all credit bureaus and confirm compliance in writing. 

Sincerely,

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 2025-11-08 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:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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