vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: NV

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 non-monetary relief
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
" I was utterly shocked XXXX  devastated upon discovering unauthorized accounts, credit inquiries XXXX inaccurate personal information made or reported without my knowledge or consent. Despite my efforts XXXX  seek clarification from the creditors, they have shamefully failed XXXX provide the necessary information. I demand immediate action XXXX transparency from the creditors. The creditors must provide detailed information on each account XXXX inquiry, including dates, purposes, XXXX types of credit products involved, furnish relevant application documents, XXXX present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
Equifax continues to report outdated and incorrect information on my credit file despite previous dispute attempts. The issues include : Incorrect late payments from XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX and XXXX ). 
Closed accounts like XXXX XXXX with balance discrepancies and inaccurate dates. 
Collections listed from XXXX XXXX, XXXX XXXX  ( XXXX ), XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX totaling {$5400.00} are inaccurate and not authorized. 
XXXX late payments on an Attorney General Child Support account that is paid off reported inaccurately and unreasonably hurting my score. 
Inaccurate addresses still appear on the report and should be removed. 
One unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
am filing a formal complaint against Capital One due to unethical credit card practices, failure to provide clear billing information, and refusal to address discrepancies in my balance calculations and wage garnishment orders. Additionally, I am also submitting a formal complaint to the Consumer Financial Protection Bureau CFPB regarding possible regulatory violations and Military Lending Act MLA concerns. 

Background and Billing Discrepancy In XXXX, while XXXX XXXX XXXX, I was approved for a Capital One credit card. 
In XXXX, I charged XXXX, and over the next XXXX years, I paid more than double the original amount owed. 
Despite these payments, my principal balance never decreased, leading me to question Capital Ones interest calculations and billing transparency. 
In XXXX, my last bill showed a balance of XXXX, but Capital One is now claiming I owe XXXX. 

Concerns and Unfair Practices Incorrect balance calculations My personal calculations based on Capital Ones disclosure formulas drastically differ from their reported balance. 
Billing discrepancy Capital Ones records show a major increase in balance despite years of payments. 
Failure to honor military lending protections My interest rates may have violated the Military Lending Act MLA, but Capital One never corrected them.

Wage garnishment confusion I believe Capital One may have sold my debt to a collection agency, yet they are still garnishing my wages. If they did sell the debt, I need confirmation and clarification regarding their authority to garnish wages. 
Disregard for hardship When I contacted Capital One in XXXX, I was homeless at the time, and I am XXXX  XXXX, but I was met with a scripted demand for payment instead of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. 

This is a violation of both 15 U.S. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe 1XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-23 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: FL

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section XXXXB of the FCRA ( 15 U.S.C. 
XXXX ( a ) ), please block and delete these accounts within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX BANK XXXX  Date : XX/XX/year>

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 2025-05-23 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: FL

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section XXXXB of the FCRA ( 15 U.S.C. 
XXXX ( a ) ), please block and delete these accounts within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX BANK XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing XXXX dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX XXXX. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ). 
I have previously submitted a formal complaint XXXX the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this XXXX.. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed XXXX : Click or tap here XXXX  enter text. 
XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Basis for Dispute Section XXXX ( XXXX XXXX. XXXX ) states that I have the right XXXX dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries XXXX remove them from my credit report. 
Section XXXX ( XXXX XXXX. XXXX ) grants me the right XXXX  access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section XXXX ( XXXX XXXX. XXXX ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries XXXX be made, XXXX I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification XXXX verify my identity. 
I appreciate your prompt attention XXXX  this matter. Please confirm receipt of this letter and keep me informed of the progress 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 non-monetary relief
Consumer complaint received 2025-05-23 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-23 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:
Re : Formal Dispute of Inaccurate Reporting XXXX  & XXXX Accounts To Whom It May Concern : I am writing to dispute the following inaccurate and unauthorized information on my Transunion credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX,, and the Fair Debt Collection Practices Act ( FDCPA ), as implemented by Regulation XXXX ( XXXX XXXX Part XXXX ). XXXX. XXXX Account Closed Account with Balance unlike XXXX XXXX : Your report shows an outstanding balance on a XXXX account that is closed, but yet no payment history is visible to substantiate any remaining debt. No Payment History Displayed : Under FCRA XXXX, you must report only accurate, complete information. Omitting any payment history while listing a balance is misleading and fails to meet the complete and accurate standard. Different closing dates across all three major credit agencies. Requested Action : XXXX. Reinstate the full, itemized payment history for this account, or XXXX. Delete the XXXX entry in its entirety if you can not verify the ending balance with supporting documentation. ] However it has come back Verified with Transunion credit agency I request Method of verification such as who did you interview? what did they say? what number did you call? what time and date did you speak? provide me the documents that was given to you regarding this account to confirm it's 100 % accurate. in direct violation of Regulation XXXX XXXX reinsertion requirements ( XXXX C.F.R. XXXX ( f ) ) and FDCPA XXXX ( b ) ( 15 U.S.C. XXXXg ( b ) ). Requested Action : XXXX. Conduct a reasonable investigation into this discrepancy and correct the delinquency status so that it is internally consistent ; XXXX. Provide me with written notice of any reinsertion you make, as required by Regulation XXXX ; XXXX. If you can not verify both the accurate days-late status and the validity of XXXX entirely XXXX XXXX. Statutory Rights & Next Steps Under FCRA XXXX, you are required to complete your reinvestigation within XXXX days of receipt of this dispute, correct or delete any information that can not be verified, and notify all nationwide credit reporting agencies of any changes. Under FDCPA and Regulation XXXX, If you fail to comply with these obligations, I will not hesitate to file another official complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and consider all legal remedies available to me. Please send your written results and any supporting documentation to the address above within XXXX days. Thank you for your prompt attention to rectifying these matters. Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
Equifax Information Services, XXXX XXXX. XXXX XXXX XXXXta, GA 3XXXX Re : Demand for Immediate removal and Correction of Inaccurate Account Information Dear Equifax : I am writing to express my outrage and frustration at the egregious failure of Equifax to properly investigate and correct inaccurate information on my credit report. Despite clear evidence and confirmation from TransUnion and Experian that the account CREDIT ACCEPTANCE is inaccurate and deleted, Equifax continues to report this false information. 

This is not a minor oversight ; it is a blatant disregard for the Fair Credit Reporting Act ( FCRA ) and the rights of consumers. I have submitted disputes to you, providing ample evidence and documentation to support my claims. However, instead of conducting a thorough investigation, Equifax has chosen to ignore the facts and continue reporting this inaccurate information. 

The fact that TransUnion and Experian have confirmed the inaccuracy and deleted the account is conclusive evidence that Equifax reporting is false. It is unacceptable that you would refuse to follow the lead of its peers and correct this egregious error. 

I demand that Equifax take immediate action to : XXXXCorrect the inaccurate information on my credit report to reflect the true status of the account, which is deleted. 
XXXX. Provide me with a revised credit report that accurately reflects the changes made. 

If Equifax fails to comply with this demand, I will not hesitate to : - Pursue legal action to enforce my rights under the FCRA and seek monetary relief via legal counsel. 

- Share my experience with others to warn them about your company 's inadequate practices I expect a prompt response and resolution to this matter within XXXX  days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint due to false and misleading information provided by Credit Acceptance Corporation. 

In their formal response to a previous CFPB complaint dated XX/XX/XXXX, Credit Acceptance claimed that the information they had furnished to the credit bureaus was accurate and up to date, and that no corrections were necessary. However, I received a letter from XXXX shortly after that, showing that the disputed tradeline was reinserted and remains inaccurate. 

Specifically, the account is being reported with an opening date of XX/XX/XXXX, but I have documentation that proves the account was actually opened on XX/XX/XXXX. This is not a minor clerical issue, its a factual error that impacts the age of the account and my overall credit history. 

Even more concerning, XXXX records show that Credit Acceptance submitted a new update on XX/XX/XXXX, four days after Credit Acceptance told the CFPB that everything was already accurate. That XX/XX/XXXX update still included the same inaccurate information. 

This timeline strongly suggests that Credit Acceptance : 1. Knowingly made a false or misleading statement in their XX/XX/XXXX response to a federal agency 2. Failed to correct inaccurate data, even after being made aware through a formal dispute 3. May have contributed to the unauthorized reinsertion of previously disputed information Under the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ), furnishers are required to : Conduct a reasonable investigation when a dispute is filed through a credit bureau . Review all relevant information provided. Correct or delete any inaccurate or unverifiable information I am requesting that the CFPB : 1.Open an investigation into Credit Acceptances reporting practices 2.Require permanent deletion of the tradeline from all credit reporting agencies 3.Determine whether Credit Acceptance knowingly misled the CFPB 4.Enforce appropriate penalties or corrective actions if a violation is confirmed

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The TransUnion website would not allow me to reset my old account or create a new one so I could unfreeze my credit report. I tried multiple times on different phones and computers inputting accurate info. I called to have my credit report unfrozen XX/XX/year> around XXXX XXXX XXXX and I got a foreign person attempting to speak XXXX who can not be clearly understood at all. They asked intricate questions and after having them repeat the information XXXX  times, I asked to speak to someone from onshore who speaks XXXX as a native language and they really resisted transferring me. I could not convince them to help me. Institutions like this should hire native XXXX speakers because this job is too important to be left to people with limited language skills.

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