vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I received a collection notice from National Credit Systems ( NCS ) for a rental-related debt. XX/XX/year>. Within the XXXX window allowed under the Fair Debt Collection Practices Act ( FDCPA ), I sent a certified debt validation letter requesting full documentation, including : XX/XX/year> A breakdown of charges The lease agreement Move-in and move-out inspection reports Proof of damage Proof that Im legally responsible for the charges Despite this, NCS reported the debt to XXXX XXXX XXXX XXXX  before the XXXX period ended, which is a clear violation of 15 U.S. Code 1692g ( b ). Under the law, once a validation request is made, they must cease collection activitiesincluding credit reportinguntil they validate the debt.

As of today, NCS has never responded to my validation letter, and continues to report this unverified debt, causing harm to my credit. 

This is not only a violation of my consumer rights but also potentially a violation of FCRA regulations. I am requesting that the CFPB investigate and instruct NCS to immediately : 1. Remove this account from all credit reports, and 2. Provide proper documentation, or cease collection altogether.

I can provide USPS tracking information for the certified letter upon request. 
This account was reported on both my credit report and my wifes, which is unjust and damaging to our financial profile. This is affecting our ability to access housing, credit, and stability for our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NV

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX/XXXX  ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Statement Regarding Payment Attempts and Account Closure On XX/XX/year>, I attempted to make a payment of {$5400.00} toward my Capital One balance. After several failed online attempts, I contacted Capital One customer service and explained that my payment was being declined. The representative verified my banking information, and after multiple unsuccessful attempts, I contacted my bank directly. My bank informed me that the routing or account number I entered was off by XXXX digit. 

Later that same day, I corrected the information and resubmitted the payment online. I received a confirmation message indicating that the payment was pending and could take up to XXXX business days to clear. 

On XX/XX/year>, I contacted my bank again to verify whether the payment had cleared and was informed that it had not. I immediately reached out to Capital One for clarification and was told once more that the bank account number was incorrect, despite a previous representative confirming it had been entered correctly. During that call, we attempted to process the payment again manually over the phone. 

A few days later, the payment still appeared as pending. On XX/XX/XXXX, I received a notification through the Capital One app that the payment had been returned. When I called Capital One for an explanation, I was not provided with a detailed reason for the return. 

On XX/XX/year>, I successfully made a payment of {$1500.00} through the Capital One app. My XXXX and XXXX statements were both issued, and I made payments for each month. However, I noticed that my available credit remained at {$0.00}, despite the successful payments. 

When I called Capital One to inquire, I was informed that my card had been cancelled due to fraudulent activity. I asked for clarification and was told that there was nothing they could do, as the account had been permanently flagged. I attempted to dispute this decision, but again was told there was no further recourse. 

I want to clarify that every attempted payment was legitimate, made from a verified financial institution, and backed by sufficient funds. My account had a consistent history of on-time payments, and at no point was there any intent to misrepresent or delay payment. 

While I understand Capital Ones right to close the account, I respectfully request that no negative remarks or derogatory information be reported to the credit bureaus, as I made every good faith effort to pay the full balance and resolve the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo 's failure to provide services as advertised and use of a chaotic and contradictory string of excuses to unlawfully hold my funds is dreadful. This has left me with no money to buy food or refill my medication, a critical need I explained to XXXX four days ago. 

Here is the exact timeline of events : Sunday, XX/XX/XXXX ( Excuse # 1 : " System Hold '' ) : I sold cryptocurrency. Per Venmo 's FAQ, proceeds are " immediately '' available. This was false. I contacted support, explained my critical need for the funds, and was told it was a " system hold '' with no justification. They offered assurance a specialist would be in contact within 24 hours. 

Monday, XX/XX/XXXX ( Excuse # 1 Repeated ) : No answer from specialist and after contacting again I was again told it was a " system hold '' with no reason or resolution path for my critical situation. 

Tuesday, XX/XX/XXXX ( Excuse # 2 : " Waiting for Bank '' ) : I received an email with a new excuse : they were " waiting for funds from my bank to clear. '' This is nonsensical, as I was the seller of crypto I received as a loan to help my urgent need for funds to purchase food and cover essentials. 

Tuesday, XX/XX/XXXX ( Contradiction # 3 : " No Hold '' ) : On the same day, a live chat representative gave me an opposite story, assuring me my account was in " good standing '' with " no holds or freezes. '' Wednesday, XX/XX/XXXX ( Excuse # 4 : " Frozen for ID '' ) : This morning, I received an email from an " Account Specialist '' claiming my account was now " frozen '' because they " need to verify that you are the owner of this account. '' Wednesday, XX/XX/XXXX ( Contradictions # XXXX, # XXXX, # XXXX ) : I entered a live chat ( XXXX XXXX XXXX ). This agent directly contradicted the email, stating in writing : A ) " I can very much confirm that you did complete our Identity Verification already. '' B ) " your Venmo account is certainly not frozen. '' C ) " everything appears to be in order ... '' D ) " Your account is indeed active and not frozen. '' Wednesday, XX/XX/XXXX ( Excuse # 5 : " 7-Day Review '' ) : Minutes later ( XXXXXXXX XXXX XXXX ), the same agent who just said " everything is in order '' reversed course. They then claimed my crypto sale was in a " transaction review '' and the funds would be held for " up to seven days. '' Wednesday, XX/XX/XXXX ( Refusal to Help ) : The agent then stated they " won't be able to provide any further assistance on this subject '' and offered only a 3-5 day wait for the same " Account Specialist '' team that sent the false " frozen '' email. Before I could respond, the agent abruptly ended the chat. 

The support system is in chaos. They are holding my funds without a consistent or lawful reason and are now actively terminating conversations to avoid accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have errors on my report after the transition data breach that I can not get removed and the bureaus aren't deleting them even with deletion letters.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have errors on my report after the transition data breach that I can not get removed and the bureaus aren't deleting them even with deletion letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following inquiries were made without my knowledge or written authorization. Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish my credit report when a permissible purpose exists. As no such authorization or permissible purpose was granted, these inquiries are unlawful and must be deleted from my credit file immediately. 

Please provide documentation showing that I granted written permission for each of these inquiries. If you are unable to verify proper authorization, delete them from my credit report as required by 15 U.S.C. 1681i ( a ). 

I have also identified errors in my personal identifying information, including ( check all that apply ) : Misspelled or incorrect name ( s ) Wrong or outdated addresses Incorrect phone numbers Wrong employer information Inaccurate date of birth or other identifying data Please update and correct my personal information to accurately reflect the following :

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not received any response from the Bureaus even after more than XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. But unfortunaetly it has been over XXXX  days and no accounts was updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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