vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.s.C 1681 section 602A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

This account has been opened fraudulently and the company constantly threatens and harasses you, does not give proof of reality

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 2025-07-23 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:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ). 

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-23 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-23 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:
Equifax stated thst this credit file was removed from my credit report and i still see it visible on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following item is incorrect and is negatively impacting my credit score : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account This item are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate 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 2025-07-23 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: MS

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) and Request for Procedures Used to Verify Accuracy To Whom It May Concern, I am writing to formally dispute the accuracy of the following account appearing on my credit report : Account Name : National Recovery Account Number ( last XXXX digits ) : XXXX XXXX XXXXXXXX Date Reported : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), Equifax is required to delete or correct any information that can not be verified as accurate within 30 days. Failure to comply constitutes a violation of federal law. I demand the immediate deletion of this account if it can not be substantiated with verifiable evidence. 

Additionally, pursuant to FCRA 1681i ( a ) ( 7 ), I request that you provide a description of the procedures used to determine the accuracy and completeness of the information you claim to have verified. Please include the name, address, and telephone number of any furnisher of information you contacted during your reinvestigation.

This is a formal request under federal law. Please complete your reinvestigation and provide written confirmation of the results, as well as the requested procedural details, within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
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 2025-07-23 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: IL

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 2025-07-23 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: TX

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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 2025-07-23 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: MA

Complaint narrative:
Im very troubled after checking my credit report and discovering multiple loans and accounts that I have no knowledge of. These accounts are not mine, and its clear that my personal information was used without my authorization. Below is a list of the unauthorized accounts currently showing on my credit report : XXXX XXXX opened in : XX/XX/XXXX ; XXXX XXXX opened in : XX/XX/XXXX ; XXXX XXXX opened in : XX/XX/XXXX ; XXXX  opened in : XX/XX/XXXX ; XXXX opened in : XX/XX/XXXX ; XXXX XXXX  opened in : XX/XX/XXXX ; XXXX  opened in : XX/XX/XXXX ; XXXX  opened in : XX/XX/XXXX ; XXXX XXXX XXXX XXXX. opened in : XX/XX/XXXX ; XXXX opened in : XX/XX/XXXX ; XXXX opened in : XX/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 2025-07-23 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: MA

Complaint narrative:
Im very troubled after checking my credit report and discovering multiple loans and accounts that I have no knowledge of. These accounts are not mine, and its clear that my personal information was used without my authorization. Below is a list of the unauthorized accounts currently showing on my credit report : XXXX XXXX opened in : XX/XX/XXXX ; XXXX XXXX opened in : XX/XX/XXXX ; XXXX XXXX opened in : XX/XX/XXXX ; XXXX  opened in : XX/XX/XXXX ; XXXX opened in : XX/XX/XXXX ; XXXX XXXX  opened in : XX/XX/XXXX ; XXXX  opened in : XX/XX/XXXX ; XXXX  opened in : XX/XX/XXXX ; XXXX XXXX XXXX XXXX. opened in : XX/XX/XXXX ; XXXX opened in : XX/XX/XXXX ; XXXX opened in : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: SC

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank ( USA ), N.A. 
Attn : Compliance Department XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Account # XXXX /Charged-Off Account To Whom It May Concern : This letter is a formal Cease and Desist demand regarding account number XXXX which has been charged off and is now inaccurately or unlawfully affecting my consumer rights. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I demand that you : 1. Cease all communication with me regarding this alleged debt, including phone calls, letters, or digital messages. 
XXXX. Cease reporting any inaccurate, misleading, or unverifiable information about this account to credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX 
XXXX. If this debt has been sold or assigned, I demand you forward this letter to the current owner and send me written confirmation. 

This account is either in dispute, inaccurately reported, beyond the statute of limitations, or already resolved. Continued reporting or collection efforts without proper validation constitutes a violation of federal law, and I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action for damages. 

Unless you can provide clear and complete validation of the debt under 15 USC 1692g, including : A copy of the signed contract Complete payment history Proof of your legal right to collect or report this debt You are to treat this as a formal dispute and cease all further actions immediately.

Failure to comply will result in escalation through formal legal and regulatory channels. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MA

Complaint narrative:
I am filing this complaint because Equifax is currently reporting multiple inaccurate and harmful charge-off entries on my credit report. These include an account from XXXX XXXX XXXX ( account ending in XXXX ) dated XX/XX/XXXX with a listed balance of {$5300.00}, and two separate charge-off entries from XXXX XXXX XXXX including XXXX XXXX XXXX ) dated XX/XX/XXXX with a balance of {$0.00}, and XXXX XXXX XXXX ( XXXX XXXX with a current balance of {$28000.00}. The existence of duplicate or inconsistent information for the same account, particularly between XXXX and XXXX XXXX XXXX raises immediate concerns under the Fair Credit Reporting Act ( FCRA ), especially 15 U.S.C. 1681e ( b ) regarding the requirement to ensure maximum possible accuracy. 

I have disputed these items previously, yet Equifax has failed to conduct a reasonable and lawful reinvestigation as required under 15 U.S.C. 1681i ( a ). Instead of verifying these charge-offs with original creditor documentation, Equifax appears to have simply parroted data furnished by the creditorswithout validating the authenticity, accuracy, or context of the entries. This is not only a negligent handling of my personal financial data, it is a clear violation of the FCRAs core principles. 

The reporting of a {$0.00} charge-off from XXXX contradicts basic logichow can an account be charged off with no debt? This suggests either the account was paid or resolved, or that it is being erroneously duplicated. The additional listing of a {$28000.00} balance under XXXX XXXX XXXX, with the same account number suffix, adds further confusion and evidence of reporting inconsistencies that Equifax has failed to reconcile. If these two entries refer to the same obligation, then Equifax is double-reporting and inflating the delinquency history on my filecausing compounded damage. 

In the case of XXXX XXXX XXXX, the charge-off is being reported without any substantiated verification. Equifax has not provided documentation proving the debt is accurate, complete, and legally owed. Under the FCRA, if the data furnisher or credit bureau can not produce meaningful documentation that confirms the debt 's validity, then they are obligated to delete it. 

The consequences of Equifaxs failure to address these inaccuracies have been severe. I have been denied credit, auto financing, and housing opportunitiesall due to these derogatory marks. Ive been forced to explain these errors to lenders who often assume Im financially irresponsible. The emotional toll of being mislabeled and stigmatized by outdated or duplicative charge-offs is exhausting and degrading. It has created tremendous anxiety, fear of rejection, and limited access to basic financial opportunities that most people take for granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

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. 

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 XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 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 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