vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Subject XXXX Dispute of Reported Late Payment and Request for Verification Dear XXXX XXXX, I am writing to formally dispute a late payment reported on my account. According to my records, my payment was not 30 days late and was made within the required timeframe. Therefore, I am requesting that you verify the accuracy of this reported delinquency. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, and I am exercising that right with this letter. Please provide documentation verifying that the reported late payment was, in fact, XXXX or more days past due in accordance with credit reporting guidelines. 

If you are unable to provide sufficient proof, I respectfully request that the late payment be deleted from all credit reporting agencies to which it was reported, as continued reporting of inaccurate information may constitute a violation of federal law.

Please provide a written response to this request within 30 days, as required by law. I would appreciate prompt attention to this matter and a resolution that reflects the accurate status of my payment history. 

Sincerely, XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I am not able to get access to my credit report login and password and am unable to get a hold.of a live person Experian 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-07 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:
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 XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Im a student experiencing financial hardship because of Fifth Third and urgently need help. Two days ago, my account balance was {$17.00}. I made a {$5.00} withdrawal yesterday, which I received and expected my balance to reflect that. This morning, I was shocked to see two separate overdraft fees, one from yesterday ( XX/XX/XXXX ) and another today ( XX/XX/XXXX ) bringing my account into deep negative territory. 

To make things worse, I usually get paid on Wednesday, but this week my check was delayed by a day. Because my account was in the negative, my entire paycheck was taken to cover the overdrafts, and Im still left with a negative balance of around {$20.00}. I genuinely feel like the delay was intentional to allow the overdrafts to hit first. 

I had to scrape together funds from other apps like XXXX XXXX just to avoid triggering even more overdraft charges, but this whole situation has caused extreme financial stress due to it leaving me to have XXXX dollars ( thanks to the money moved from cashapp ) for the remaining week until my next pay. 

I didnt receive any alerts or warnings before the fees hit. Im asking, with full respect, that these overdraft fees be reviewed and reversed due to these circumstances. Please help me resolve this before it gets worse

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-07 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. Below are the negative account/accounts impacting my credit. 
XXXX XXXX {$1400.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX {$0.00} ( XX/XX/year> PLEASE REMOVE 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 explanation
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. Below are the negative account/accounts impacting my credit. 
XXXX XXXX {$1400.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX {$0.00} ( XX/XX/year> PLEASE REMOVE THE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint because Capital One is continuing to report a credit card charge-off account with a {$1400.00} balance ( last XXXX of acct : XXXX ) across all XXXX credit bureaus ( XXXX XXXX XXXX ), even though it is no longer legally verified or collectible. 

I originally disputed this account with XXXX XXXX XXXX, who was supposedly collecting on XXXX XXXX  behalf. On XX/XX/year>, XXXX mailed me a letter stating that the account was returned to the original creditor, Capital One and was closed in their office. They also stated that any further information must be obtained directly from Capital One. 

However, despite this clear transfer of responsibility back to Capital One, the account is still reporting negatively on all XXXX credit reports severely damaging my credit score and payment history. 

I have repeatedly requested that this account be fully validated, including : All signed agreements Original contract Proof of ownership Chain of assignment Any mailed documentation Capital One has proving this account is mine To this day, no such documentation has been provided only generic statements from Radius, which do not meet the standard for verification under the Fair Credit Reporting Act ( FCRA ) or Fair Debt Collection Practices Act ( FDCPA ). 

I demand XXXX XXXX immediately delete this account from all credit bureaus or provide full written verification by mail. Continuing to report this charge-off without proper investigation and after XXXX returned the account is a clear violation of FCRA Section 611, which prohibits inaccurate or unverifiable information from remaining on a credit report. 

This has now been dragging on for over XXXX  days since my initial dispute, and no meaningful action has been taken. I am asking the CFPB to investigate and hold Capital One accountable for their failure to correct and remove this harmful and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : Equifax XXXX TransUnion ] Subject : Second Dispute Request for Reinvestigation and Correction Re XXXX XXXX XXXX XXXX Account # XXXX * * Dispute # XXXX Dear [ Equifax / TransUnion ], I am writing to formally request a second reinvestigation of the inaccurate XXXX late payment reported on my XXXX XXXX XXXX account in XX/XX/XXXX, originally disputed under Dispute # XXXX. Your previous response marked the item as verified, but failed to provide documentation or explanation. After reviewing my records and credit file more closely, I have found clear discrepancies between the credit bureaus that undermine the accuracy of the data and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Key discrepancies include : TransUnion lists the account as closed on XX/XX/XXXX and last reported on that date. 
Equifax, however, lists the account as closed on XX/XX/XXXX, and inexplicably continues reporting into XX/XX/XXXX, despite showing a {$0.00} balance and no payment activity. 
Equifax also states the account is still open for reporting purposes, though both show the loan term was only 12 months from opening on XX/XX/XXXX. 
The payment history is inconsistent between the bureaus : TransUnion indicates 92 % on-time payments, while Equifax lists only 35 % with multiple unknowns and continued monthly reporting well beyond account closure.

Legal Grounds for Deletion or Correction : Per 15 U.S.C. 1681i of the FCRA : You are required to conduct a reasonable reinvestigation of any disputed information. 
If the data can not be verified with evidence, it must be promptly removed. 
You must also correct or delete inconsistent, outdated, or unverifiable information. 

These inconsistencies ( see attached screenshots ) prove that the information is not being reported accurately or uniformly, and the XX/XX/XXXX late payment is unverifiable given the accounts closure status and lack of continued financial activity. 

My Request : I am requesting : XXXX. Full deletion of the XX/XX/XXXX late payment. 
XXXX. XXXXmmediate correction of closure dates and payment history to reflect accurate reporting.

3. Documentation or records from the furnisher ( Lead Bank ) that support any adverse marksif such documentation exists.

Failure to correct or verify this information may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for damages under the FCRA. 

Please respond within the XXXX window as required by law and send a corrected copy of my credit report. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : 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 non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXXXXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-07 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:
Please assist me by blocking and removing the late payments that are currently listed on my credit report. I was never late on any of my payments. These were inaccurate and greatly damage my credit worthiness. I was never late on any of my payments.

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 2025-08-07 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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