vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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:
To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies and unauthorized items being reported on my credit report. These errors are severely affecting my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. I am requesting a thorough investigation and immediate correction or deletion of these inaccurate items. 

ACCOUNT : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$230.00} Type : Collection This account is inaccurate and unverifiable. I have no contractual agreement, signed documentation, or verifiable validation that links me to this alleged debt. The reporting of a collection account without concrete proof of ownership violates FCRA Section 623 ( A ) ( 1 ) ( A ), which prohibits furnishing data known to be inaccurate, and FDCPA Section 809 ( b ), which requires debt collectors to provide validation upon request. XXXX XXXX or its collection agency has failed to provide lawful validation of debt ownership or proof that the alleged debt is collectible. Continuing to report this account after multiple disputes violates my rights under FCRA 611 ( A ) and demonstrates willful noncompliance under Section 616. Since no original creditor documentation has been presented, and the account continues to appear after several dispute rounds, it must be permanently deleted to comply with federal law. 

I trust that the CFPB will ensure my rights are protected and that these inaccuracies and unauthorized activities are corrected. I am requesting verification of each item and written confirmation once the reinvestigation and correction are completed. I have exercised my right as a consumer to demand accuracy, transparency, and accountability as established under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
I was issued a valid travel credit of {$1800.00} following an airline-initiated cancellation. I made multiple documented attempts to use the credit, but Capital One XXXX failed to process my rebooking despite numerous calls. 
Due to these ongoing failures, the travel credit is no longer practical or usable. I submitted enough proof for Capital One to approve the dispute but they denied me. They didnt give me any information of exactly why I was denied a second time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-10-16 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: FL

Complaint narrative:
I am submitting to formally dispute the inaccurate reporting of a late payment on my credit report associated with the following account : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609, 611, and 623, all information reported to consumer reporting agencies must be complete, accurate, and verifiable. These sections further obligate credit reporting agencies to promptly investigate any disputed data and correct any inaccuracies found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
I am submitting this complaint to dispute multiple inaccuracies and unverifiable information on my credit report, which XXXX negatively impact my creditworthiness. The following items are inaccurate or incomplete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed XXXX {$410.00} These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA 607 ( a ), 15 U.S.C. 1681e ( a ) ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute any inaccurate or unverifiable information and request a reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
I am submitting this complaint to dispute multiple inaccuracies and unverifiable information on my credit report, which XXXX negatively impact my creditworthiness. The following items are inaccurate or incomplete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed XXXX {$410.00} These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA 607 ( a ), 15 U.S.C. 1681e ( a ) ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute any inaccurate or unverifiable information and request a reinvestigation.

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 2025-10-16 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Toyota Financial Services XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Debt Validation Request Pursuant to 15 U.S.C. 1692g To Whom It May Concern, This letter serves as a formal and urgent request for full validation of the alleged debt you claim is owed by me, XXXX XXXX. I dispute this debt in its entirety, as I have not received any verifiable evidence that I am legally responsible for the amount you allege. 

Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide complete and accurate validation of this debt before any further collection attempts can be made. I demand that you immediately cease all collection activities including reporting this account to any credit bureau, contacting me by phone, or sending further collection letters until the following documentation has been provided : 1. A copy of the original signed contract or agreement bearing my signature.

2. A complete account history, including all charges, payments, interest, and fees that comprise the claimed balance.

3. Proof of ownership or assignment, showing that Toyota Financial Services has the legal right to collect on this account. 
4. Verification that this alleged debt complies with all applicable state and federal laws, including the statute of limitations. 

Be advised that failure to comply with this request in the timeframe allowed under the FDCPA will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Mississippi Attorney Generals Office. Any continued reporting of unverifiable or false information to credit bureaus will constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will hold you strictly accountable. 

You are hereby put on notice that any attempt to collect this debt without providing full and proper validation will be seen as willful noncompliance with federal law. I expect a written response only. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AL

Complaint narrative:
The account has been paid in full, yet it still displays late payment 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 2025-10-16 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: AZ

Complaint narrative:
I am filing this complaint because multiple accounts and inquiries are being reported on my credit report that are not mine, not verifiable, and not attached to my most current address. I have disputed these accounts directly with all three credit bureaus ( Equifax, Experian, and TransUnion ) multiple times, but they continue to report these inaccurate items without providing proper validation or evidence. 

The disputed accounts include, but are not limited to : XXXX XXXX unauthorized inquiry and account XXXX XXXX  unverified and inaccurate account XXXX XXXX unverified and inaccurate accounts XXXX XXXX XXXX  unverified account and unauthorized inquiry These items are tied to old addresses that I no longer reside at, yet the bureaus have continued reporting them despite my request for verification under FCRA 611 ( a ). The credit bureaus have failed to perform a reasonable reinvestigation, have not provided proper documentation bearing my signature, and have continued publishing inaccurate information in violation of FCRA 602 ( a ), 607 ( b ), and 611 ( a ) ( 1 ).

I am requesting the CFPBs assistance to ensure that the credit bureaus remove these unverifiable and inaccurate accounts and inquiries immediately, and confirm that all information being reported is accurate, current, and verifiable under federal law.

Supporting documentation, including my updated dispute letters and proof of address, are attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: AZ

Complaint narrative:
I am filing this complaint because multiple accounts and inquiries are being reported on my credit report that are not mine, not verifiable, and not attached to my most current address. I have disputed these accounts directly with all three credit bureaus ( Equifax, Experian, and TransUnion ) multiple times, but they continue to report these inaccurate items without providing proper validation or evidence. 

The disputed accounts include, but are not limited to : XXXX XXXX unauthorized inquiry and account XXXX XXXX  unverified and inaccurate account XXXX XXXX unverified and inaccurate accounts XXXX XXXX XXXX  unverified account and unauthorized inquiry These items are tied to old addresses that I no longer reside at, yet the bureaus have continued reporting them despite my request for verification under FCRA 611 ( a ). The credit bureaus have failed to perform a reasonable reinvestigation, have not provided proper documentation bearing my signature, and have continued publishing inaccurate information in violation of FCRA 602 ( a ), 607 ( b ), and 611 ( a ) ( 1 ).

I am requesting the CFPBs assistance to ensure that the credit bureaus remove these unverifiable and inaccurate accounts and inquiries immediately, and confirm that all information being reported is accurate, current, and verifiable under federal law.

Supporting documentation, including my updated dispute letters and proof of address, are attached for reference.

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 2025-10-16 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: GA

Complaint narrative:
I am submitting to formally dispute inaccurate address information appearing on my Experian consumer file and to request that you correct and update my file in accordance with the Fair Credit Reporting Act ( FCRA ). The address currently reported that does not belong to me is : Correct address to be added/ updated : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inaccurate address to be removed : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX This inaccurate address is causing confusion and is not my current or prior residence to my knowledge. Under the FCRA, I am entitled to dispute incomplete or inaccurate information and to have it investigated and corrected. Please investigate this matter, delete/remove the inaccurate address listed above from my file, and update all consumer report ( s ) and any derivatives to reflect my correct address shown above.

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 2025-10-16 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: LA

Complaint narrative:
This account was completely settled, but my report still lists late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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 submitting this complaint to dispute multiple inaccuracies and unverifiable information on my credit report, which may adversely affect my creditworthiness. The following accounts contain information that appears inaccurate, incomplete, or unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA 607 ( a ), 15 U.S.C. 1681e ( a ) ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy. Furthermore, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute any inaccurate or unverifiable information and request a thorough reinvestigation.

Company response to consumer: Closed with non-monetary relief