vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
CFPB Submission Cover Note To : Consumer Financial Protection Bureau From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX CFPB Complaint ID : [ Insert ID ] Date : [ Insert Date ] Subject : Urgent Follow-Up XXXX XXXX Dispute Dear CFPB Review Team , I am submitting this follow-up regarding my ongoing complaint against XXXX ( XXXX ThankYou XXXX, account ending in XXXX XXXX XXXX  Reference Number : XXXX ) XXXX 
Attached, please find : My legally strong letter to XXXX requesting all documentation or removal of the disputed account An evidence summary outlining my previous actions, XXXX  inadequate response, and outstanding issues I have received a response from XXXX dated XX/XX/year>, but I do not agree with their resolution. They claim I signed agreements and settled the account, yet I have not received documentation proving this. 
I am requesting that the CFPB assist in ensuring XXXX provides the requested documentation or removes the account from all credit reporting agencies as required by the Fair Credit Reporting Act ( FCRA ). 
This matter is urgent, as the disputed account is negatively impacting my credit profile. I appreciate your prompt attention and assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am submitting this complaint because multiple inaccurate, unauthorized, and unverified items are being reported on my credit file. These items violate the FCRA by failing to maintain accuracy, provide verification, or conduct proper reinvestigation. These inaccuracies have caused financial harm, credit denial, and emotional distress. I request full CFPB investigation and immediate correction or deletion of all unlawful items. 

XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$520.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment reporting is inaccurate because I have never missed a payment on this account. Under FCRA 607 ( b ) and 611 ( a ), correct the payment history immediately. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment * * These late payments are incorrect and unverified. No documentation has been provided. Under FCRA 607 ( b ) and 611 ( a ), correct this account. 

XXXX XXXX XXXXXXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Late Payment * * This account shows false late payments. Since no proof has been provided, this violates FCRA 607 ( b ) and 609 ( a ) ( 1 ) ( A ). Correct all inaccuracies immediately. 

XXXX XXXX, XXXX XXXX XX/XX/XXXX Unauthorized inquiry. No permissible purpose under FCRA 604 ( a ) ( 2 ) and 607 ( a ). Remove it. 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Remove under FCRA 604 and 607 ( a ). 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. No consent. Delete under FCRA 604 and 607 ( a ). 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Remove immediately under FCRA 604 and 607 ( a ). 

XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized access with no permissible purpose. Remove under FCRA 604 ( a ) ( 2 ) and 607 ( a ). 

These inaccurate and unauthorized items violate federal law and must be corrected or deleted immediately. I request full CFPB intervention to enforce compliance and protect my consumer rights.

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 2025-11-20 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 explanation
Consumer complaint received 2025-11-20 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am extremely frustrated because inaccurate late payments continue to appear on my credit report, even after checking it again this morning. I do not understand why they are still there, so I urgently ask that the documents I have sent be reviewed carefully so that I can finally stop stressing about this situation.

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 2025-11-20 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: TX

Complaint narrative:
I am extremely frustrated because inaccurate late payments continue to appear on my credit report, even after checking it again this morning. I do not understand why they are still there, so I urgently ask that the documents I have sent be reviewed carefully so that I can finally stop stressing about this situation.

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 2025-11-20 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: PA

Complaint narrative:
As I recently reviewed my credit report, I discovered several items that do not accurately reflect my financial history. Each inaccuracy has caused me stress, confusion, and concern, and I am sharing the full story of what I discovered, why these errors matter, and why they must be thoroughly investigated and corrected under the Fair Credit Reporting Act ( FCRA ), including Sections 602A, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 605 ( c ). 
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 Under FCRA 609 ( a ) ( 1 ), all personal identifying information must be accurate and verifiable. I request that this incorrect address be removed immediately to ensure my credit report accurately reflects my personal information. Accurate reporting is required under FCRA 623 ( a ) ( 1 ) ( A ), and I request that to contact the original creditor to verify the balance, dates of activity, and account status. If verification can not be provided, this account must be removed immediately to prevent further harm to my creditworthiness. 
The cumulative impact of these inaccuracies has caused me significant stress, confusion, and difficulty in managing my financial life. Errors like these misrepresent my financial obligations and responsibility, making it harder to obtain loans, rent housing, or access other financial services. Under FCRA, I have the right to dispute any item that is inaccurate, incomplete, or unverifiable, and Experian is required to investigate and correct such items within 30 days.

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 2025-11-20 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: PA

Complaint narrative:
As I recently reviewed my credit report, I discovered several items that do not accurately reflect my financial history. Each inaccuracy has caused me stress, confusion, and concern, and I am sharing the full story of what I discovered, why these errors matter, and why they must be thoroughly investigated and corrected under the Fair Credit Reporting Act ( FCRA ), including Sections 602A, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 605 ( c ). 
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 Under FCRA 609 ( a ) ( 1 ), all personal identifying information must be accurate and verifiable. I request that this incorrect address be removed immediately to ensure my credit report accurately reflects my personal information. Accurate reporting is required under FCRA 623 ( a ) ( 1 ) ( A ), and I request that to contact the original creditor to verify the balance, dates of activity, and account status. If verification can not be provided, this account must be removed immediately to prevent further harm to my creditworthiness. 
The cumulative impact of these inaccuracies has caused me significant stress, confusion, and difficulty in managing my financial life. Errors like these misrepresent my financial obligations and responsibility, making it harder to obtain loans, rent housing, or access other financial services. Under FCRA, I have the right to dispute any item that is inaccurate, incomplete, or unverifiable, and Experian is required to investigate and correct such items within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
Experian failed to conduct a reasonable investigation under FCRA 1681i and improperly verified XXXX XXXX  reporting as accurate despite receiving extensive evidence proving the information was false. Experian closed my dispute in five days ( XXXX XXXX XXXX ), which is not a reasonable reinvestigation of a 20-year mortgage with a 10-page loan activity history. 

Here is the timeline : XX/XX/XXXX : I submitted a dispute to Experian regarding my XXXX XXXX  account. I uploaded the following documents : My RESPA Notice of Error sent XXXX XXXX XXXX  A follow-up Notice of Error sent XX/XX/XXXX The loan activity statement sent to me by XXXX My amortization analysis proving the balance is incorrect A delinquent tax sale notice from XXXX XXXX ( proof of escrow errors ) Emails showing XXXX  ignored all servicing requests XX/XX/XXXX : Experian notified me that the dispute was closed and XXXX  had verified the account as accurate. This is impossible, because the evidence I provided including XXXX own documents shows the following : Nine years of missing payment history ( XXXX ) An unexplained XXXX principal conversion Payments in XXXX where XXXX was applied to principal Escrow failure causing a tax sale notice A balance on my report that is different from the balance on XXXX own statement A 45 day reinvestigation is not reasonable under FCRA 1681i. 

XX/XX/XXXX : While the account was under formal dispute, XXXX reported : A new 30-day late payment An increased balance This caused my Experian score to drop XXXX points. 

Experian accepted and published this derogatory information even though the account was still under dispute and despite my CFPB complaint against the furnisher. 

This violates : FCRA 1681i ( failure to investigate ) FCRA 1681c ( reporting inaccurate information ) FCRA 1681s-2 ( a ) ( 3 ) ( failure to report active dispute ) FCRA 1681e ( b ) ( failure to assure maximum possible accuracy ) I am requesting the following : 1. Immediate correction or removal of the XXXX tradeline 2. Suppression of all negative reporting from the furnisher until the CFPB investigation is completed 3. A reinvestigation conducted by a senior analyst, not the automated dispute system 4. Updates sent to all lenders who pulled my credit during the inaccurate reporting period 5. Written explanation of how Experian investigated my evidence in only 4 day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
Experian failed to conduct a reasonable investigation under FCRA 1681i and improperly verified XXXX XXXX  reporting as accurate despite receiving extensive evidence proving the information was false. Experian closed my dispute in five days ( XXXX XXXX XXXX ), which is not a reasonable reinvestigation of a 20-year mortgage with a 10-page loan activity history. 

Here is the timeline : XX/XX/XXXX : I submitted a dispute to Experian regarding my XXXX XXXX  account. I uploaded the following documents : My RESPA Notice of Error sent XXXX XXXX XXXX  A follow-up Notice of Error sent XX/XX/XXXX The loan activity statement sent to me by XXXX My amortization analysis proving the balance is incorrect A delinquent tax sale notice from XXXX XXXX ( proof of escrow errors ) Emails showing XXXX  ignored all servicing requests XX/XX/XXXX : Experian notified me that the dispute was closed and XXXX  had verified the account as accurate. This is impossible, because the evidence I provided including XXXX own documents shows the following : Nine years of missing payment history ( XXXX ) An unexplained XXXX principal conversion Payments in XXXX where XXXX was applied to principal Escrow failure causing a tax sale notice A balance on my report that is different from the balance on XXXX own statement A 45 day reinvestigation is not reasonable under FCRA 1681i. 

XX/XX/XXXX : While the account was under formal dispute, XXXX reported : A new 30-day late payment An increased balance This caused my Experian score to drop XXXX points. 

Experian accepted and published this derogatory information even though the account was still under dispute and despite my CFPB complaint against the furnisher. 

This violates : FCRA 1681i ( failure to investigate ) FCRA 1681c ( reporting inaccurate information ) FCRA 1681s-2 ( a ) ( 3 ) ( failure to report active dispute ) FCRA 1681e ( b ) ( failure to assure maximum possible accuracy ) I am requesting the following : 1. Immediate correction or removal of the XXXX tradeline 2. Suppression of all negative reporting from the furnisher until the CFPB investigation is completed 3. A reinvestigation conducted by a senior analyst, not the automated dispute system 4. Updates sent to all lenders who pulled my credit during the inaccurate reporting period 5. Written explanation of how Experian investigated my evidence in only 4 day

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 2025-11-20 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: PA

Complaint narrative:
I am submitting this as my fourth formal dispute regarding the inaccurate and misleading reporting of the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} tied up to open accounts, deleted on XXXX, Date of Last Activity : XX/XX/year>XXXX XXXX XXXX appearing on my Experian and TransUnion credit file. Despite several prior disputes, Experian and TransUnion has continued to report this account without providing any verifiable documentation, clear explanation, or reasonable evidence supporting the way it is currently coded. 
The continuation of this unverified and inconsistent information raises serious accuracy concerns and violates multiple sections of the Fair Credit Reporting Act ( FCRA ).

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 2025-11-20 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX, XXXX # XXXX XX/XX/XXXX -- {$490000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$34000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA
State: NM

Complaint narrative:
Deceptive misleading and misrepresentation and failure to make proper disclosure additionally dealer extended offer that i accepted and dealer atyempting to withdraw offer extended and approved. Provided dealer with collateral and aplication for notes and or consumer credit type of transaction for personal and household use. 


See 15 USC 1611, 18 USC 8, 12 USC 411, UCC 3-603, UCC 1-308 , public law 73-10/HJR 192.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am filing a complaint against Capital One regarding my credit card payments. Although I have been making payments, I am not seeing any available credit reflected. My payments have been {$25.00} my last payment was XXXX. I should have available credit of XXXX I have contacted Capital One three times to inquire when my payment will post and when my available credit will update. I spoke with a representative on Thursday, XX/XX/XXXX, who assured me the payment would post by XX/XX/XXXX. Several days have passed, yet my available credit has not been updated. On XX/XX/XXXX, I reached out again to explain the issue. After placing me on a brief hold, the representative informed me the funds had been released and the payment would post by midnight. It is now XXXX XXXX., and my available credit still has not been updated. 

I have never experienced delays like this with other credit cards. Due to these ongoing problems, I plan to pay off my balance and close the account, but I am concerned that even after paying off the card, my available credit may not be properly reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This is my second dispute after receiving the results of my XXXX investigation. I am disputing an account that Midland Credit Management claims is associated with XXXXXXXX XXXX This account is not mine. I requested documentation proving the debt belonged to me, and Midland responded to XXXX with an internal data printout that does not include a contract, account number, statements, proof of ownership, or any documentation required under FDCPA 1692g or FCRA 623. It also does not match or correspond to any tradeline on my credit report, and nothing in their document shows any connection to me or my actual XXXX account ( which is paid and in good standing ). Midland is furnishing inaccurate information. I request immediate deletion of this account. I have attached the exact documents Midland provided as their supposed validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my Equifax, Experian and TransUnion credit report, specifically relating to my personal identifying information and accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are not associated with me in any way and may result from mixed-file reporting or mistaken identity. Accurate personal information is critical to ensure proper reporting of my credit activity, and these errors violate my rights under 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in all credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief