vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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:
I am submitting this complaint regarding multiple inaccurate items on my credit report that violate the Fair Credit Reporting Act ( FCRA ) Sections 1681i, 1681e ( b ), and 1681j. My rights under federal law require that all information reported to credit bureaus be accurate, verifiable, and properly substantiated. The reporting of incorrect addresses and inaccurate account information has caused me financial harm, distress, and has impaired my ability to obtain credit. I am requesting that the Consumer Financial Protection Bureau take action to ensure that these items are fully investigated and corrected or deleted in compliance with the law. 

XXXX XXXX XXXX XXXX, VA XXXX This address is not associated with me. I have never lived or maintained any account there. Reporting this address is false and misleading under FCRA XXXX, which requires accurate identification information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX I have no connection to this property. Its appearance on my credit file is erroneous, and continued reporting constitutes a violation of FCRA 611. 

XXXX  XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX, XXXX {$680.00}, Collection * * This account is either not mine or inaccurately reported. I have never received verification or proper notice of this collection. FCRA 623 requires furnishers to provide accurate data, and 611 ensures my right to dispute unverifiable collections. I demand verification or deletion. 

XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX, XXXX {$0.00}, Charge Off XXXX XXXX  This charge-off is inaccurate. I have no record of owing this debt. Continuing to report it without validation violates FCRA 609 and 623, which require verification from the original creditor before reporting. 

XXXX XXXXXXXXXXXX XXXX XXXX  Opened XX/XX/XXXX, Balance {$1600.00}, Charge Off XXXX XXXX This account is being reported incorrectly. I request a detailed verification including account statements and proof of my obligation. Reporting unverified debts is a direct violation of FCRA 609, 611, and 623. 

XXXX XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX, Balance {$0.00}, Charge Off XXXX XXXX XXXXhis account is not valid or has been misreported. I have never been delinquent with this account as claimed. FCRA 611 guarantees my right to dispute unverifiable information and 623 requires furnishers to report only accurate data. 

Under the FCRA and related federal laws, I am entitled to have all inaccurate, unverifiable, or fraudulent information removed from my credit file. I demand that the CFPB ensure my disputes are fully investigated, corrected, and that my credit report reflects accurate information. I expect written confirmation of action taken and the permanent removal of incorrect data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NE

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-10-27 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: NE

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-10-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Yes I'm retired going thru hardship with unexpected expenses. Hoping capital one credit card can give me 2 months skipped or deferred payment. Out of good will. Living paycheck too paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am officially requesting the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. Attached are the supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
On XX/XX/year>, my wife and I were on an anniversary trip when I attempted to make a {$55.00} souvenir purchase using my First Citizens Bank debit card. The card declined twice, so we paid in cash ( pesos ) instead. Later that day, I discovered two unauthorized transactions over {$400.00} each from the same merchant.

I reported the issue immediately to First Citizens Banks Fraud Department. I was told to wait for the transactions to settle before filing a claim. The bank initially credited {$850.00}, then reversed it, later credited {$420.00} and {$430.00}, and finally reversed both again on XX/XX/year>, leaving my account overdrawn after a {$500.00} deposit. 

When I contacted the branch, they said the case could not be reopened because I had used my card. This explanation is unreasonable, since my card was declined twice, and I paid in cash. I was also told the merchant had no contact information, which means the investigation could not have been thorough. 

I believe First Citizens Bank closed this fraud case prematurely and failed to conduct a fair investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
As I was in review of my credit profile I noticed that there were inquiries that are not mine.

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 2025-10-27 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: SC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX, Account Number : 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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: MoneyLion Inc.
State: OK

Complaint narrative:
The first time was this summer when a company charged my account for approx XXXX something dollars they did absolutely nothing they didn't refund the charge stop or anything they canceled my card and that was it I brought the XXXX charges to their attention then and nothing was done I have brought the XXXX charges to their attention more than once stating that the only XXXX product I should be paying for is XXXX XXXX for XXXX and that's it anything else was fraud nothing done no refunds and still the charges take place anywhere from XXXX and up I am a mental health patient my stress andXX/XX/XXXXhave been off the charts not knowing if I'm going to have money in the morning when I wake up due to the XXXX or XXXX or whatever would be taking money from my account and have no money and money lion not refunding any of the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: KY

Complaint narrative:
Hi, my name is XXXX XXXX, and I live in XXXXXXXX XXXX 

I need urgent help with a bank garnishment that came from a Tennessee judgment filed by XXXX XXXX XXXX for Discover Bank XXXX XXXX XXXX. 

My bank, XXXX XXXX, has taken money from my account twice about {$5300.00} last XXXX and {$260.00} this month even though I was never notified or served for any case in Tennessee. The paperwork lists a wrong address, and it looks like theyve already taken more than the judgment amount. Both times I have tried to request information on this matter but was met with no response besides my bank after many calls, emails and visits. Despite that, my bank ( XXXX XXXXXXXX XXXX ) has withdrawn funds from my accounts twice. First on XX/XX/XXXX ( {$5300.00} ) and again on XX/XX/XXXX ( {$260.00} ) totaling {$5500.00}. Leaving me in financial distress each time. Preventing me from paying bills, getting gas for work, and eating. 

This morning I just received from the Tennessee court. The judgment includes a XXXX XXXX interest rate, but I was never notified of the case or served. Theyve already taken over {$5500.00} from me, which seems far above the judgment amount. I need to know if the interest is being applied correctly or if I can challenge it. 

Id like to speak with someone or asked for assistance with someone who handles consumer debt or garnishment defense to see if I can stop further collections and possibly vacate the judgment for improper service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
This complaint is regarding inaccurate charge-off and settlement reporting on a closed installment loan. The account shows different high credit amounts, different settlement descriptions, and different payment history codes across the three credit bureaus, which is a violation of FCRA 1681e ( b ) requiring maximum possible accuracy.

XXXX  reports High Credit as {$2000.00} and Payment after charge-off/collection settled for less than full balance.

XXXX  reports the account as Unpaid balance reported as loss by credit grantor account legally paid in full for less than full balance.

XXXX  reports High Credit as {$2500.00} and Settlement accepted Paid charge-off.

These are three materially different outcomes and the furnisher can not have all three be true. I previously disputed the account, and the companies did not provide original account records, payment logs, charge-off reconciliation, or settlement documentation to verify the exact accurate status.

Because the reporting is inconsistent and unverifiable, I am requesting that the entire tradeline be deleted across all bureaus under FCRA 623 ( b ) ( 1 ) ( D ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: VA

Complaint narrative:
I am officially requesting the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. Attached are the supporting documents to substantiate my claim.

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 2025-10-27 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: IL

Complaint narrative:
I am writing once again regarding the fraudulent accounts that continue to appear on my credit report. Despite my repeated attempts to have this matter corrected, these unauthorized entries are still being reported. This ongoing situation has been extremely stressful and raises serious concerns about the continued mishandling of my personal information. Ive noticed that some of my personal information listed on my credit report is inaccurate, which may be contributing to these false accounts being linked to me. I have been a victim of identity theft, and my information was used without my permission. As instructed by Equifax, I filed an FTC Identity Theft Report and submitted it as proof. However, the fraudulent items remain on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: GA

Complaint narrative:
I was told they would remive thebcollection from my credit in 45 days it isnover 45 days. I called and they have nit sent in any paper work either

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MD

Complaint narrative:
I am writing to dispute the inaccurate information reported on my credit report with Experian. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, which continues to affect my credit score and financial standing.

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes and for reporting inaccurate information on credit reports. I am referencing this case as part of my ongoing dispute, as I believe that my situation falls under the same issues cited in the CFPBs action.

I have already submitted multiple disputes regarding these inaccuracies, and they have yet to be corrected. This failure to address and resolve the discrepancies not only violates the Fair Credit Reporting Act ( FCRA ) but also directly impacts my ability to access credit, and in some cases, negatively affects my interest rates and loan opportunities.

As per the FCRA and as demonstrated in the CFPBs case against Experian, I request that you : Immediately investigate these disputes. You are required to conduct a reasonable investigation into the accuracy of the information and correct any inaccuracies within 30 days.

Provide an update or resolution. Please notify me of the findings and actions taken with respect to my disputes.

Remove any unverifiable or inaccurate information. If you can not verify the accuracy of the information in question, I request that you remove it from my credit report entirely.

Additionally, please provide me with a written confirmation of the actions taken, including an updated copy of my credit report reflecting the corrections.

I trust that you will resolve this matter promptly and in compliance with all applicable laws and regulations.

Thank you for your attention to this matter. I look forward to your swift response.

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 2025-10-27 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 am writing to formally dispute the inaccurate information on my credit report. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, and the issues continue to negatively affect my credit score and financial standing. 
As you are aware, Equifax experienced a significant data breach in XXXX, which exposed the personal and financial information of millions of consumers, including myself. This breach may have contributed to the erroneous information on my credit report, which has not been rectified despite previous attempts to resolve these disputes.

I have already submitted disputes regarding these inaccuracies, yet they remain unresolved. As per the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes in a timely manner and correct any inaccuracies. The continued reporting of incorrect information, in light of the data breach, raises concerns about the accuracy and integrity of my credit report.

I respectfully request that you : Immediately investigate these disputed items. Please conduct a thorough investigation of the accuracy of the information and correct any inaccuracies within the statutory 30-day period.

Provide an update or resolution. Notify me of your findings and the actions taken to correct the inaccuracies.

Remove any unverifiable or incorrect information. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report entirely.

Additionally, please send me a written confirmation once the necessary corrections have been made, including an updated copy of my credit report reflecting the changes.

I trust that you will act swiftly and in compliance with all applicable laws and regulations to resolve this matter.

Thank you for your prompt attention to this issue. I look forward to your response.

Company response to consumer: Closed with non-monetary relief