vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several inaccuracies that needs attention on 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 2025-07-19 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: GA

Complaint narrative:
There are several inaccuracies that needs attention on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a utility account that appears on my credit report from XXXX. This account is not mine. I never opened a utility account at the address associated with this debt. During the time this debt was allegedly incurred, I resided at a completely different address : My actual address at that time : XXXX XXXX  XXXX XXXX XXXX, IL XXXX Address on the utility debt ( if known ) : I have included supporting documentation to prove my residency during the time in question. 
These include : Lease agreement Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent or incorrect account be investigated and removed from my credit report. Please confirm receipt of this dispute and let me know the results of your investigation. Thank you for your prompt attention. 

Sincerely, XXXX XXXX XX/XX/year> XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CT

Complaint narrative:
b'XXXX XXXX  XXXX XXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nKXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX5 \nXXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX \nXXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXXXXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am having a problem with a prior landlord, XXXX XXXX XXXX. We rented from them, XXXX at XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. My XXXX adult grandchildren and I were on the lease. After we moved out, an email was sent by the Manager of XXXX XXXX XXXX with charges that we were unable to dispute. I didn't get the email so I didn't know about the charges until I received an email from National Credit Systems for {$6600.00}. 

XXXX XXXX XXXX has sent us to collections for {$6600.00} in property damages to their property. I think that most of the charges are normal wear and tear such as painting of the bedrooms and a closet shelf. Door knobs, kitchen and bathroom drawer fronts, charges for a door to the laundry room which was under the stairs where the water filter thing was. 

They charged us with unclogging a bathtub and power cleaning the other one. We had many calls to maintenance for brown water that was coming out the facets due to the untreated well water. This was the reason the tub had discoloration, which I dont believe we should have been charged for. I feel the majority of items we are being charged for were normal wear and tear. We were even charged for something that is inside of the window. I had to look it up as I had no idea of what it was. 

I would like to see pictures of the damages before they were replaced or repaired, as well as the receipts to back up these charges. All we received was a list with an amount at the bottom. 

I have filed a complaint with the Illinois Attorney General but XXXX XXXX XXXX did not respond to the complaint. We have called the manager of XXXX XXXX but were told to contact the collection agency, National Credit Systems. 

I want these charges taken off of our credit reports as we are having trouble finding somewhere to live with this amount on our credit reports. I don't think that these charges are fair, due to the fact that I know we took care of the property and have not seen anything to refute that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HW Holding, Inc
State: GA

Complaint narrative:
Subject : Formal Complaint All XXXX Bureaus Reporting Inaccurate and Unverified Eviction To Whom It May Concern, I am filing this complaint to formally report XXXX XXXX XXXX XXXX for knowingly and willfully violating my rights under the Fair Credit Reporting Act ( FCRA ) by continuing to report an eviction on my credit profile that is inaccurate, unverifiable, and causing me serious harm. 

I have disputed this eviction directly with all three credit bureaus and demanded its removal under 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ), which clearly state that consumer reporting agencies must ensure maximum possible accuracy and are legally required to delete unverifiable information. To date, they have failed to provide proof or proper validationyet continue to report this derogatory information.

This eviction : Has not been verified with original, signed court documents.

Was likely reported by a third-party data aggregator.

Does not reflect a legal judgment or valid filing.

Is contributing to the suppression of my credit score and blocking access to housing and credit.

Despite my lawful demands, these bureaus have taken no action to investigate or correct the inaccuracy. I consider this a willful violation of federal law and gross negligence. 

I am requesting that the CFPB immediately investigate XXXX XXXX XXXX XXXX  for their noncompliance, and take action to : Force deletion of the eviction from all three bureaus.

Hold these agencies accountable for their reckless reporting practices.

Impose penalties and sanctions for failure to comply with FCRA obligations.

This item is damaging my livelihood, and I will not tolerate continued abuse of my consumer rights. If resolution is not provided, I will escalate this matter with an FCRA attorney and pursue civil litigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: LA

Complaint narrative:
I am writing to formally dispute several inaccurate and derogatory items reported on my Equifax credit report dated XX/XX/XXXX. These items are either inaccurately reported, are not mine, or should have been removed following the discharge of my XXXX XXXX bankruptcy filed on XX/XX/XXXX. Under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Uniform Commercial Code ( UCC ), I am requesting the immediate investigation and removal of the following accounts and inquiries : Discharged or Inaccurately Reported Accounts : - XXXX XXXX XXXX Discharged through XXXX  XXXX Bankruptcy, still reporting as derogatory - XXXX XXXX XXXX Reporting derogatory status post-bankruptcy - XXXX XXXX XXXX Still showing late payments despite discharge - XXXX XXXX XXXX XXXX Reporting XXXX late payments - XXXX XXXX XXXX Reporting XXXX late payments on closed account - XXXX XXXX XXXX XXXX XXXX XXXX late payments showing post-discharge - XXXX XXXX XXXX Reporting XXXX late payments - XXXX  Reporting XXXX late payments Unauthorized/Inaccurate Inquiries Not Tied to an Account : - XXXX XXXX  Multiple inquiries ( XXXX XXXX ) - XXXX XXXX XXXX Multiple inquiries ( XXXX XXXX ) - XXXX XXXX  XXXX Multiple inquiries XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX Multiple inquiries ( XXXX XXXX ) - XXXX XXXX XXXX Multiple inquiries ( XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX Multiple XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX. Inquiries without associated accounts These inaccuracies are negatively impacting my ability to secure housing, employment, and basic financial services. As these items either do not belong to me, were not authorized, or should have been removed upon my bankruptcy discharge. 

Please send me written confirmation of the results of your investigation. I have enclosed a copy of my credit report for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: IL

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX XXXX ( Account # ending in XXXX ), which remains inaccurately listed on my credit report after a recent dispute. 

The account is marked as Charge-Off with a balance of {$280.00}, but the reporting lacks several critical and required data points, including : Missing Payment History : There is no monthly payment history or record of delinquencies shown. This makes it difficult to verify how the account reached charge-off status, which is required under the Fair Credit Reporting Act ( FCRA 609 & 611 ).

Missing Date of Last Activity : This field is blank, and its absence prevents accurate assessment of the accounts aging and may be used to unlawfully re-age the debt.

Balance and Credit Limit Inconsistencies : The report lists a balance of {$280.00}, a credit limit of {$0.00}, and available credit of {$280.00}. A negative available credit on a closed charge-off account with no active limit is factually inaccurate. 

Date of First Delinquency is correctly reported as XX/XX/XXXX, which means the account should fall off no later than XX/XX/XXXX. However, there is concern that continued re-reporting may be used to improperly extend the reporting period.

I previously disputed this information with Equifax, but the account was re-verified without correction. No supporting documentation was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
requested chain of custody and copy of original contract with my signature but not provided such info after multiple requests. Bought a car that never worked properly from the beginning and even though i purchased the warranty they kept providing me with service that contained used parts that did not fix the problem and the car became very unsafe to drive. They kept saying i could bring it in again for service but the shop kept saying theyre giving them only used parts and that it wasnt going to fix the problem so after multiple times at the shop wasting my time, the car still never got fixed. they also provided minimal coverage for a rental car ( {$30.00} per day when rental cars were well over {$100.00} per day so it became completely unaffordable and i was left without a car and then had it repossessed because i couldnt pay for a car that didnt work after having to pay such high rental car rates with it always being in the shop and not getting fixed. was definitely a lemon and was covered up after getting scammed into paying for the extended warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/year> I mailed over a dispute letter to Experian disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Experian that was issued by them on XX/XX/year> that they received my dispute but they would not process it because they are assuming it is from a XXXX party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address.

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 2025-07-19 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: IL

Complaint narrative:
i recently reviewed a copy of my credit report and noticed I had incorrct information Please delete these accounts

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and notice had fraudulent accounts on my report please remove these accounts from my report they are hunting my abilityto obtain credit thank you

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 2025-07-19 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:
These accounts dont belong to me they are not mine XXXX XXXX XXXX Last reported XX/XX/year> {$660.00} Open balance XXXX  XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/year> {$17000.00} Reported balance XXXX  Last reported XX/XX/year> {$9900.00} Reported balance XXXX XXXX Last reported XX/XX/year> {$590.00} Reported balance

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 2025-07-19 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have some hard inquiries on my account that I did not ever opened!

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 2025-07-19 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: IL

Complaint narrative:
I am a victim of identity theft and recently discovered a fraudulent account on my credit report with XXXX XXXX ( ending in XXXX ) for a balance of {$1200.00}. I did not open this account or authorize any of its activity. I have already filed an official FTC Identity Theft Report ( Report # XXXX ) and provided documentation to both the credit bureaus and the company. Despite this, the account is still being reported on my credit. This situation is extremely stressful and is negatively affecting my credit and financial well-being. If this account continues to report inaccurately, I will have no choice but to explore legal options to protect my rights and restore my credit. This is a clear case of identity theft, and Im asking for immediate action.

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 2025-07-19 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: FL

Complaint narrative:
ilooked at my credit reports and noticed accounts on my reports that i didnt open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
ilooked at my credit reports and noticed accounts on my reports that i didnt open.

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 2025-07-19 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: VA

Complaint narrative:
I reviewed my credit report and noticed that there is inaccurate information reporting on my credit report/credit file ; I reached out to the companies and to the credit reporting agencies ; when I reached out to the companies they advised me that I needed to reach out to the credit reporting agencies that is reporting that false data which I did and as of todays date their has been no change which is a violation of my rights of the FCRA. I am a victim of several data breaches which are XXXX, XXXX and XXXX XXXX XXXX My request is to have the false and inaccurate data and items removed from my credit report as well as removed from my credit file and a new and updated credit report sent to me with reflecting the removals/ updates. I have attached a copy of my drivers license and a copy of my identity theft 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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am filing a complaint against Capital One for mishandling an unauthorized charge made by a merchant and failing to conduct a proper investigation. 

On XX/XX/year>, I canceled a preorder ( Order # XXXX ) with a merchant called XXXX XXXX. Despite the cancellation, I was charged {$550.00} on XX/XX/year>, without my authorization. I never received any items or services from this merchant. 

I disputed the charge with Capital One, explaining that I had canceled the order prior to the charge and never received anything in return. I also explained that the merchant did not provide any proof of delivery or tracking. 

Capital One denied my dispute with no further explanation, only stating that the merchant responded that they charged me and the items will be shipped. This vague and unverified claim was accepted by Capital One without any evidence that shipping occurred, that a tracking number existed, or that I ever received anything. 

Capital One did not require the merchant to show proof of shipment, receipt, or delivery, and I was not given the opportunity to review or rebut any evidence used in the decision. This is a failure of due diligence and violates the Fair Credit Billing Acts requirement for a reasonable investigation. 

Additionally, this merchant has a pattern of similar complaints publicly documented in reviews on their XXXX XXXX page and XXXX, where other customers describe being charged after cancellations and never receiving their orders. This pattern was ignored by Capital One in their decision. 

I am requesting : A full refund of the {$550.00} unauthorized charge A re-investigation of the dispute with actual supporting evidence from the merchant Disclosure of what documentation was reviewed to reach the denial Capital Ones current handling of this case is unacceptable and fails to meet federal standards for consumer credit protection.

Company response to consumer: Closed with explanation