vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting to formally dispute and request correction of two accounts that have been reported with inaccurate late payment information. Despite my consistent and verified payment history, these accounts are showing delinquent activity that does not align with my records, and these inaccuracies materially misrepresent my creditworthiness. Credit furnishers and reporting entities are required to maintain and report only information that is accurate, complete, and verifiable. 
Additionally, under FCRA 611 ( a ) ( 1 ) ( A ), any disputed information must undergo a thorough reinvestigation, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not continue to report data that is known or should be known to be inaccurate. 
XXXX XXXX XXXX XXXX * * Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX * * * Balance {$0.00}

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 2025-10-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am officially disputing this erroneous account on my credit report, as it was neither authorized nor initiated by me. I have included the necessary documentation to validate my position.

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 2025-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NE

Complaint narrative:
Rental paid in full and they say I still owe {$370.00} I had to move out because of XXXX mold

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 2025-10-22 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX complaint is not made in error neither is it being made by a third party. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : 1. XXXX  Date of inquiry : XX/XX/year> 2. XXXX XXXX Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint regarding my Capital One credit card account ending in XXXX, which was opened on XX/XX/XXXX, and later closed by Capital One. My former roommate used my credit card without my permission, resulting in {$450.00} of unauthorized charges. 

I filed a police report and submitted it to XXXX XXXX fraud department along with a written statement explaining that the charges were made by an unauthorized signer. Despite providing documentation, Capital One denied my fraud claim, closed the account at the credit grantors request, and reported the balance as charged off. 

The account currently appears on my XXXX credit report as : Account charged off. {$450.00} written off. {$450.00} past due as of XX/XX/XXXX. The comments section also shows Account previously in dispute investigation complete. This has negatively impacted my credit despite the proven unauthorized use. 

I am requesting that Capital One re-review my case, correct the record to show the account as fraudulent or closed due to unauthorized use, and remove or adjust the negative credit reporting. 

I have attached my police report, Capital One correspondence, and credit report entry for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I am sending to dispute inaccurate information currently appearing on my credit report. These errors have negatively affected my credit standing and do not reflect my true financial history or the responsible manner in which I have managed my obligations. Discovering these inaccuracies has been concerning, as I take pride in maintaining good payment habits and honoring my commitments. The presence of unverifiable data has caused unnecessary stress and may impact future opportunities such as obtaining credit, housing, or employment. Under the Fair Credit Reporting Act ( FCRA 1681i ), I have the right to dispute any inaccurate or incomplete information, and FCRA 1681e ( b ) requires that all data in my file be maintained with maximum possible accuracy. I respectfully request that these matters be investigated promptly and any unverifiable information be permanently deleted to ensure my credit report accurately reflects my financial history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-10-22 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 sending to dispute inaccurate information currently appearing on my credit report. These errors have negatively affected my credit standing and do not reflect my true financial history or the responsible manner in which I have managed my obligations. Discovering these inaccuracies has been concerning, as I take pride in maintaining good payment habits and honoring my commitments. The presence of unverifiable data has caused unnecessary stress and may impact future opportunities such as obtaining credit, housing, or employment. Under the Fair Credit Reporting Act ( FCRA 1681i ), I have the right to dispute any inaccurate or incomplete information, and FCRA 1681e ( b ) requires that all data in my file be maintained with maximum possible accuracy. I respectfully request that these matters be investigated promptly and any unverifiable information be permanently deleted to ensure my credit report accurately reflects my financial history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and potentially unlawful reporting by financial institutions and credit reporting agencies. I request a full investigation under the Fair Credit Reporting Act ( FCRA ) 611 and the Fair Debt Collection Practices Act ( FDCPA ) 807-809, including removal or correction of all inaccurate information. The reporting of these accounts has caused substantial harm to my creditworthiness, financial stability, and ability to access fair credit. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is not associated with me. Under FCRA 609 ( a ) ( 1 ), I have the right to request verification of all addresses reported. I request that this address be deleted from my credit report immediately. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Chargeoff * * This account has been incorrectly reported as a charge-off. I have documentation proving my account status and payments. Per FCRA 611, I request full reinvestigation of this account, as reporting it as a charge-off without verification is a clear violation of federal law and has negatively impacted my credit score. 

Inquiry : XXXX XX/XX/XXXX This inquiry by XXXX was made without my permission. FCRA 604 ( a ) ( 3 ) ensures all inquiries must have a permissible purpose. This unauthorized credit pull adversely affects my credit score and creditworthiness. Immediate removal is required, and I request proof that this inquiry has been permanently deleted. 

I demand that all items listed above be thoroughly reinvestigated and corrected or removed as required by federal law. Continued reporting of these inaccurate accounts constitutes a violation of my rights under the FCRA and FDCPA. Documentation supporting my position is available upon request, and I expect written confirmation of the results of your investigation.

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 2025-10-22 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: GA

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: AK

Complaint narrative:
I was never notified of a change of loan services and it dramatically tanked my credit score and when I looked I was never notified of a change and the address on file was incorrect I didnt even live in the state they had on file or have the email address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: PA

Complaint narrative:
I am extremely worried because the inaccurate accounts are still showing on my credit report and nothing has been taken off. I am begging for the documents I attached to be carefully reviewed so I can stop living in fear and finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I state that the false late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and these reporting errors are both improper and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this formal complaint against Experian, TransUnion, and Equifax for their continued noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple written disputes submitted more than 35 days ago, all three credit bureaus have failed to properly investigate, correct, or provide documentation supporting the continued reporting of several inaccurate and unauthorized items on my credit file. 

These errors include the reporting of incorrect personal information, unauthorized inquiries, and inaccurate account data. The items in dispute include but are not limited to : Incorrect addresses and employment information Multiple unauthorized inquiries by lenders without my consent ( including XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, all dated XX/XX/year> ) Inaccurate and unverifiable charge-off accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Incorrect payment history reporting and misclassified late payments on paid or closed accounts I have repeatedly requested that these bureaus : Conduct a proper reinvestigation under 15 U.S.C. 1681i ( a ) Provide a detailed method of verification under 15 U.S.C. 1681i ( a ) ( 7 ) Ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) To date, none of the three bureaus have provided the method and procedures used in verification, documentation relied upon to verify the accounts, or full furnisher contact information. Their continued reporting of false and unverifiable information constitutes willful and negligent noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am submitting a formal request to have this erroneous account deleted from my credit report, as I never authorized its establishment or usage. Attached are the supporting documents for your review.

Company response to consumer: Closed with non-monetary relief